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Fowler State Bank

IDRSSD: 433859
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
64
/ 100
StableAs of 2026-Q1QoQ +2

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2026-Q1

Bank #433859 2026-Q1 Vital Signs Score: 64/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

Liquidity:Stable
Securities:Strong
Capitalization:Watch
Asset Quality:Watch
Reserves:Watch

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.18% (govt-guarantees stripped).
  3. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.51%.

What changed this quarter

Compared to Q4 2025:
↑ +2 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    ↑ +6
  • Capitalization
    — —
  • Asset Quality
    ↑ +12
  • Reserves
    ↓ -9

The five pillars

Liquidity

StableQoQ -1
80
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 83.6%, cash 3.9% of assets.

Cash / Assets
3.87%
Loans / Deposits
83.55%
Brokered %
0.00%
No watch items at this period.

Securities

StrongQoQ +6
97
Sub-score

Securities profile is strong: securities 21.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
21.02%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 13.09%.

Tier 1 RBC
—
CET1
0.00%
Leverage
13.09%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

WatchQoQ +12
56
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.18%, Texas Ratio 15.3%, NCO YTD -0.02%.

Adjusted NPL
3.18%
Govt-guarantees stripped
Texas Ratio
15.3%
NCO YTD
-0.02%
30-89 PD
1.67%
Band 0.3% / 3.0%
90+ PD
1.51%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.18% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.51%.

Reserves

WatchQoQ -9
50
Sub-score

Reserves are deteriorating: ALLL 1.86% of loans, coverage 59.7%, true coverage 59.7%.

ALLL / Loans
1.86%
Coverage
59.7%
True Loss Coverage
59.7%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 13:30:56 UTC