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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 — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2024-Q3QoQ -8

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

Quarterly Headline

2024-Q3

Bank #526452 2024-Q3 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (watch).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 75.8% of deposits (threshold 30%).
  2. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  3. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.45% of loans.

What changed this quarter

Compared to Q2 2024:
↓ -8 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↓ -25
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -11

The five pillars

Liquidity

StableQoQ +3
60
Sub-score

Liquidity is stable: brokered 75.8%, loans/deposits 93.4%.

Cash / Assets
—
Loans / Deposits
93.39%
Brokered %
75.84%

Watch Items

  • riskBrokered deposits above 30% — Brokered 75.8% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 8.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
8.35%
No watch items at this period.

Capitalization

StableQoQ -25
75
Sub-score

Capital position is stable: Tier 1 RBC 20.89%, CET1 0.00%, leverage 16.89%.

Tier 1 RBC
20.89%
CET1
0.00%
Leverage
16.89%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

WatchQoQ -3
57
Sub-score

Asset quality is deteriorating: Adjusted NPL 1.64%, Texas Ratio 6.4%, NCO YTD 2.45%.

Adjusted NPL
1.64%
Govt-guarantees stripped
Texas Ratio
6.4%
NCO YTD
2.45%
30-89 PD
1.18%
Band 0.3% / 3.0%
90+ PD
1.34%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.34%.
  • watchNet charge-offs elevated — NCO YTD 2.45% of loans.

Reserves

StableQoQ -11
70
Sub-score

Reserves are stable: ALLL 2.02% of loans, coverage 125.6%, true coverage 72.8%.

ALLL / Loans
2.02%
Coverage
125.6%
True Loss Coverage
72.8%
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