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1st Financial Bank Usa

IDRSSD: 526452
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2023-Q4QoQ +17

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

Quarterly Headline

2023-Q4

Bank #526452 2023-Q4 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 68.1% of deposits (threshold 30%).
  2. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.53% of loans.
  3. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 100.1% (threshold 100%).

What changed this quarter

Compared to Q3 2023:
↑ +17 ptscomposite
  • Liquidity
    ↓ -11
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +62
  • Reserves
    — —

The five pillars

Liquidity

WatchQoQ -11
56
Sub-score

Liquidity is deteriorating: brokered 68.1%, loans/deposits 100.1%.

Cash / Assets
—
Loans / Deposits
100.14%
Brokered %
68.10%

Watch Items

  • riskBrokered deposits above 30% — Brokered 68.1% of deposits (threshold 30%).
  • infoLoans / Deposits above 100% — Loans/Deposits 100.1% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 9.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
9.57%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 22.33%, leverage 18.51%.

Tier 1 RBC
22.33%
CET1
—
Leverage
18.51%
No watch items at this period.

Asset Quality

StableQoQ +62
62
Sub-score

Asset quality is stable: Adjusted NPL 1.26%, Texas Ratio 4.6%, NCO YTD 2.53%.

Adjusted NPL
1.26%
Govt-guarantees stripped
Texas Ratio
4.6%
NCO YTD
2.53%
30-89 PD
1.50%
Band 0.3% / 3.0%
90+ PD
0.95%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 2.53% of loans.

Reserves

Strong
85
Sub-score

Reserves are strong: ALLL 2.00% of loans, coverage 161.2%, true coverage 86.8%.

ALLL / Loans
2.00%
Coverage
161.2%
True Loss Coverage
86.8%
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: 2026-05-15 02:55:04 UTC