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Fcb Banks

IDRSSD: 1459717
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
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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
85
/ 100
StrongAs of 2025-Q4QoQ -3

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 #1459717 2025-Q4 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.43% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↓ -3 ptscomposite
  • Liquidity
    ↓ -9
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -1

The five pillars

Liquidity

StableQoQ -9
73
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 90.3%, cash 2.4% of assets.

Cash / Assets
2.43%
Loans / Deposits
90.26%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.43% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 9.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
9.49%
No watch items at this period.

Capitalization

StableQoQ -1
74
Sub-score

Capital position is stable: Tier 1 RBC 12.25%, CET1 12.25%, leverage 7.97%.

Tier 1 RBC
12.25%
CET1
12.25%
Leverage
7.97%
No watch items at this period.

Asset Quality

StrongQoQ -2
97
Sub-score

Asset quality is strong: Adjusted NPL 0.46%, Texas Ratio 3.9%, NCO YTD 0.04%.

Adjusted NPL
0.46%
Govt-guarantees stripped
Texas Ratio
3.9%
NCO YTD
0.04%
30-89 PD
0.67%
Band 0.3% / 3.0%
90+ PD
0.18%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -1
85
Sub-score

Reserves are strong: ALLL 1.05% of loans, coverage 231.5%, true coverage 181.9%.

ALLL / Loans
1.05%
Coverage
231.5%
True Loss Coverage
181.9%
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: 2026-05-13 11:19:38 UTC