Visbanking Logo
Skip to main content

First American Bank

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

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
90
/ 100
StrongAs of 2024-Q4QoQ -4

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

Quarterly Headline

2024-Q4

Bank #771458 2024-Q4 Vital Signs Score: 90/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.36% of loans.
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.59% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2024:
↓ -4 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -15
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -1
77
Sub-score

Liquidity is stable: brokered 10.1%, loans/deposits 65.1%, cash 2.6% of assets.

Cash / Assets
2.59%
Loans / Deposits
65.15%
Brokered %
10.12%

Watch Items

  • infoCash / Assets below 3% — Cash 2.59% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.58%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 17.10%, CET1 17.10%, leverage 10.86%.

Tier 1 RBC
17.10%
CET1
17.10%
Leverage
10.86%
No watch items at this period.

Asset Quality

StrongQoQ -15
80
Sub-score

Asset quality is strong: Adjusted NPL 0.80%, Texas Ratio 3.6%, NCO YTD 2.36%.

Adjusted NPL
0.80%
Govt-guarantees stripped
Texas Ratio
3.6%
NCO YTD
2.36%
30-89 PD
0.31%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 2.36% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 1.77% of loans, coverage 224.1%, true coverage 224.1%.

ALLL / Loans
1.77%
Coverage
224.1%
True Loss Coverage
224.1%
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