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Fall River Five Cents Savings Bank

IDRSSD: 833404
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
77
/ 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 #833404 2025-Q4 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 106.0% (threshold 100%).
  2. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.67% of loans.

What changed this quarter

Compared to Q3 2025:
↓ -2 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↑ 0
  • Reserves
    ↓ -11

The five pillars

Liquidity

StableQoQ +3
66
Sub-score

Liquidity is stable: brokered 3.7%, loans/deposits 106.0%, cash 4.1% of assets.

Cash / Assets
4.09%
Loans / Deposits
106.04%
Brokered %
3.67%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 106.0% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.96%
No watch items at this period.

Capitalization

StableQoQ -2
65
Sub-score

Capital position is stable: Tier 1 RBC 11.39%, CET1 11.39%, leverage 8.56%.

Tier 1 RBC
11.39%
CET1
11.39%
Leverage
8.56%
No watch items at this period.

Asset Quality

StrongQoQ 0
98
Sub-score

Asset quality is strong: Adjusted NPL 0.65%, Texas Ratio 5.5%, NCO YTD 0.06%.

Adjusted NPL
0.65%
Govt-guarantees stripped
Texas Ratio
5.5%
NCO YTD
0.06%
30-89 PD
0.20%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -11
51
Sub-score

Reserves are deteriorating: ALLL 0.67% of loans, coverage 103.6%, true coverage 102.3%.

ALLL / Loans
0.67%
Coverage
103.6%
True Loss Coverage
102.3%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.67% of loans.

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 03:49:33 UTC