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Ffb Bank

IDRSSD: 3398623
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
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Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2025-Q3QoQ -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-Q3

Bank #3398623 2025-Q3 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.48% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↓ -3 ptscomposite
  • Liquidity
    ↓ -9
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -5

The five pillars

Liquidity

StableQoQ -9
72
Sub-score

Liquidity is stable: brokered 7.5%, loans/deposits 89.5%, cash 4.0% of assets.

Cash / Assets
3.96%
Loans / Deposits
89.46%
Brokered %
7.54%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.28%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 19.69%, CET1 19.69%, leverage 15.33%.

Tier 1 RBC
19.69%
CET1
19.69%
Leverage
15.33%
No watch items at this period.

Asset Quality

StrongQoQ -2
80
Sub-score

Asset quality is strong: Adjusted NPL 2.48%, Texas Ratio 11.4%, NCO YTD 0.20%.

Adjusted NPL
2.48%
Govt-guarantees stripped
Texas Ratio
11.4%
NCO YTD
0.20%
30-89 PD
0.58%
Band 0.3% / 3.0%
90+ PD
0.09%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.48% (govt-guarantees stripped).

Reserves

WatchQoQ -5
41
Sub-score

Reserves are deteriorating: ALLL 1.34% of loans, coverage 54.8%, true coverage 54.8%.

ALLL / Loans
1.34%
Coverage
54.8%
True Loss Coverage
54.8%
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 10:12:26 UTC