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The First State Bank

IDRSSD: 305059
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
71
/ 100
StableAs of 2025-Q3QoQ -18

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 #305059 2025-Q3 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 4.49%.
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 27.0% (regulatory soft-warning level 50%).
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 27.0% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q2 2025:
↓ -18 ptscomposite
  • Liquidity
    ↑ +9
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -39
  • Reserves
    ↓ -68

The five pillars

Liquidity

StableQoQ +9
73
Sub-score

Liquidity is stable: brokered 2.8%, loans/deposits 93.7%, cash 4.1% of assets.

Cash / Assets
4.09%
Loans / Deposits
93.74%
Brokered %
2.85%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 15.63%, CET1 15.63%, leverage 12.59%.

Tier 1 RBC
15.63%
CET1
15.63%
Leverage
12.59%
No watch items at this period.

Asset Quality

WatchQoQ -39
48
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.87%, Texas Ratio 24.5%, NCO YTD 0.08%.

Adjusted NPL
4.87%
Govt-guarantees stripped
Texas Ratio
24.5%
NCO YTD
0.08%
30-89 PD
0.01%
Band 0.3% / 3.0%
90+ PD
4.49%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.87% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 4.49%.

Reserves

RiskQoQ -68
27
Sub-score

Reserves are weak: ALLL 1.30% of loans, coverage 27.0%, true coverage 27.0%.

ALLL / Loans
1.30%
Coverage
27.0%
True Loss Coverage
27.0%

Watch Items

  • watchALLL / NPL below 50% — Coverage 27.0% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 27.0% (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: 2026-05-14 09:04:59 UTC