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The First State Bank

IDRSSD: 275657
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
91
/ 100
StrongAs of 2025-Q1QoQ -3

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 #275657 2025-Q1 Vital Signs Score: 91/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

  1. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.35%.

What changed this quarter

Compared to Q4 2024:
↓ -3 ptscomposite
  • Liquidity
    ↑ +7
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -17
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +7
84
Sub-score

Liquidity is strong: brokered 2.7%, loans/deposits 44.3%, cash 3.7% of assets.

Cash / Assets
3.70%
Loans / Deposits
44.31%
Brokered %
2.66%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.37%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 22.10%, CET1 22.10%, leverage 14.70%.

Tier 1 RBC
22.10%
CET1
22.10%
Leverage
14.70%
No watch items at this period.

Asset Quality

StableQoQ -17
78
Sub-score

Asset quality is stable: Adjusted NPL 1.35%, Texas Ratio 3.0%, NCO YTD 0.00%.

Adjusted NPL
1.35%
Govt-guarantees stripped
Texas Ratio
3.0%
NCO YTD
0.00%
30-89 PD
0.90%
Band 0.3% / 3.0%
90+ PD
1.35%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.35%.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 2.75% of loans, coverage 209.3%, true coverage 132.3%.

ALLL / Loans
2.75%
Coverage
209.3%
True Loss Coverage
132.3%
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: 2026-05-12 01:19:57 UTC