Liquidity
Strong
100
Sub-score
Liquidity is strong: brokered 0.0%, loans/deposits 12.5%, cash 45.3% of assets.
- Cash / Assets
- 45.25%
- Loans / Deposits
- 12.55%
- Brokered %
- 0.00%
No watch items at this period.
The Fidelity State Bank And Trust Company
IDRSSD: 638850
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2025-Q1
Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
88
/ 100
StrongAs of 2025-Q1QoQ -1
Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.
Quarterly Headline
2025-Q1
Bank #638850 2025-Q1 Vital Signs Score: 88/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Securities (watch).
Liquidity:Strong
Securities:Watch
Capitalization:Strong
Asset Quality:Strong
Reserves:Strong
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q4 2024:
↓ -1 ptscomposite
- Liquidity— —
- Securities↑ +10
- Capitalization— —
- Asset Quality↓ -9
- Reserves— —
The five pillars
Securities
WatchQoQ +10
47
Sub-score
Securities profile is deteriorating: securities 35.9% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 35.86%
SVB watch metric
No watch items at this period.
Capitalization
Strong
100
Sub-score
Capital position is strong: Tier 1 RBC 139.03%, CET1 139.03%, leverage 21.69%.
- Tier 1 RBC
- 139.03%
- CET1
- 139.03%
- Leverage
- 21.69%
No watch items at this period.
Asset Quality
StrongQoQ -9
83
Sub-score
Asset quality is strong: Adjusted NPL 0.13%, Texas Ratio 0.1%, NCO YTD 0.00%.
- Adjusted NPL
- 0.13%
- Texas Ratio
- 0.1%
- NCO YTD
- 0.00%
- 30-89 PD
- 5.21%
- 90+ PD
- 0.08%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
Strong
100
Sub-score
Reserves are strong: ALLL 3.51% of loans, coverage 2836.0%, true coverage 2836.0%.
- ALLL / Loans
- 3.51%
- Coverage
- 2836.0%
- True Loss Coverage
- 2836.0%
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.tsfor 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 08:45:46 UTC