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First American Bank

IDRSSD: 771458
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
89
/ 100
StrongAs of 2023-Q4QoQ -6

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

Quarterly Headline

2023-Q4

Bank #771458 2023-Q4 Vital Signs Score: 89/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.90% of loans.

What changed this quarter

Compared to Q3 2023:
↓ -6 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -23
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +4
84
Sub-score

Liquidity is strong: brokered 6.3%, loans/deposits 61.6%, cash 4.7% of assets.

Cash / Assets
4.66%
Loans / Deposits
61.55%
Brokered %
6.32%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.91%
No watch items at this period.

Capitalization

StrongQoQ +1
100
Sub-score

Capital position is strong: Tier 1 RBC 16.73%, CET1 16.73%, leverage 10.45%.

Tier 1 RBC
16.73%
CET1
16.73%
Leverage
10.45%
No watch items at this period.

Asset Quality

StableQoQ -23
77
Sub-score

Asset quality is stable: Adjusted NPL 1.20%, Texas Ratio 5.3%, NCO YTD 2.90%.

Adjusted NPL
1.20%
Govt-guarantees stripped
Texas Ratio
5.3%
NCO YTD
2.90%
30-89 PD
0.37%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 2.90% of loans.

Reserves

Strong
89
Sub-score

Reserves are strong: ALLL 1.77% of loans, coverage 150.4%, true coverage 149.9%.

ALLL / Loans
1.77%
Coverage
150.4%
True Loss Coverage
149.9%
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 01:26:28 UTC