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The First Bank And Trust Company Of Murphysboro

IDRSSD: 303747
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2025-Q3QoQ 0

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

Quarterly Headline

2025-Q3

Bank #303747 2025-Q3 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 47.0% (Adjusted NPL + Performing Mods denominator).
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.99% (govt-guarantees stripped).
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 49.4% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q2 2025:
↓ 0 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↑ +6
  • Reserves
    ↓ -10

The five pillars

Liquidity

StrongQoQ -5
86
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 69.6%, cash 3.7% of assets.

Cash / Assets
3.75%
Loans / Deposits
69.55%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.24%
No watch items at this period.

Capitalization

StrongQoQ +3
95
Sub-score

Capital position is strong: Tier 1 RBC 14.19%, CET1 14.19%, leverage 9.18%.

Tier 1 RBC
14.19%
CET1
14.19%
Leverage
9.18%
No watch items at this period.

Asset Quality

WatchQoQ +6
57
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.99%, Texas Ratio 18.3%, NCO YTD 1.26%.

Adjusted NPL
2.99%
Govt-guarantees stripped
Texas Ratio
18.3%
NCO YTD
1.26%
30-89 PD
1.78%
Band 0.3% / 3.0%
90+ PD
0.19%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.99% (govt-guarantees stripped).
  • infoNet charge-offs elevated — NCO YTD 1.26% of loans.

Reserves

RiskQoQ -10
40
Sub-score

Reserves are weak: ALLL 1.46% of loans, coverage 49.4%, true coverage 47.0%.

ALLL / Loans
1.46%
Coverage
49.4%
True Loss Coverage
47.0%

Watch Items

  • infoALLL / NPL below 50% — Coverage 49.4% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 47.0% (Adjusted NPL + Performing Mods denominator).

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: 2026-05-13 16:06:55 UTC