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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2025-Q4QoQ +14

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

Quarterly Headline

2025-Q4

Bank #305059 2025-Q4 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.23% of loans.

What changed this quarter

Compared to Q3 2025:
↑ +14 ptscomposite
  • Liquidity
    ↑ +7
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +35
  • Reserves
    ↑ +24

The five pillars

Liquidity

StableQoQ +7
80
Sub-score

Liquidity is stable: brokered 2.6%, loans/deposits 90.0%, cash 6.3% of assets.

Cash / Assets
6.27%
Loans / Deposits
90.02%
Brokered %
2.63%
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 16.02%, CET1 16.02%, leverage 12.88%.

Tier 1 RBC
16.02%
CET1
16.02%
Leverage
12.88%
No watch items at this period.

Asset Quality

StrongQoQ +35
83
Sub-score

Asset quality is strong: Adjusted NPL 1.26%, Texas Ratio 6.4%, NCO YTD 1.23%.

Adjusted NPL
1.26%
Govt-guarantees stripped
Texas Ratio
6.4%
NCO YTD
1.23%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.23% of loans.

Reserves

WatchQoQ +24
51
Sub-score

Reserves are deteriorating: ALLL 1.04% of loans, coverage 83.2%, true coverage 83.2%.

ALLL / Loans
1.04%
Coverage
83.2%
True Loss Coverage
83.2%
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 09:04:59 UTC