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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 — 2025-Q4

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

Synthesis

Vital Signs Score
70
/ 100
StableAs of 2025-Q4QoQ -2

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 #526452 2025-Q4 Vital Signs Score: 70/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 78.0% 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 1.98% of loans.

What changed this quarter

Compared to Q3 2025:
↓ -2 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -4
  • Reserves
    ↓ -10

The five pillars

Liquidity

StableQoQ +2
62
Sub-score

Liquidity is stable: brokered 78.0%, loans/deposits 91.1%.

Cash / Assets
—
Loans / Deposits
91.10%
Brokered %
78.01%

Watch Items

  • riskBrokered deposits above 30% — Brokered 78.0% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 8.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
8.19%
No watch items at this period.

Capitalization

Stable
75
Sub-score

Capital position is stable: Tier 1 RBC 21.41%, CET1 0.00%, leverage 16.73%.

Tier 1 RBC
21.41%
CET1
0.00%
Leverage
16.73%

Watch Items

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

Asset Quality

StableQoQ -4
62
Sub-score

Asset quality is stable: Adjusted NPL 1.54%, Texas Ratio 6.1%, NCO YTD 1.98%.

Adjusted NPL
1.54%
Govt-guarantees stripped
Texas Ratio
6.1%
NCO YTD
1.98%
30-89 PD
0.98%
Band 0.3% / 3.0%
90+ PD
1.06%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.06%.
  • watchNet charge-offs elevated — NCO YTD 1.98% of loans.

Reserves

WatchQoQ -10
59
Sub-score

Reserves are deteriorating: ALLL 1.78% of loans, coverage 117.4%, true coverage 51.5%.

ALLL / Loans
1.78%
Coverage
117.4%
True Loss Coverage
51.5%
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