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First Bank Chicago

IDRSSD: 804338
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
67
/ 100
StableAs of 2024-Q2QoQ +1

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

Quarterly Headline

2024-Q2

Bank #804338 2024-Q2 Vital Signs Score: 67/100 — overall stable. Strongest pillar: Asset Quality (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 23.5% (Adjusted NPL + Performing Mods denominator).
  2. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  3. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.71% of loans.

What changed this quarter

Compared to Q1 2024:
↑ +1 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    ↓ -2
  • Capitalization
    — —
  • Asset Quality
    ↑ 0
  • Reserves
    ↑ +2

The five pillars

Liquidity

StableQoQ +2
75
Sub-score

Liquidity is stable: brokered 17.2%, loans/deposits 78.8%, cash 5.8% of assets.

Cash / Assets
5.77%
Loans / Deposits
78.79%
Brokered %
17.24%
No watch items at this period.

Securities

StrongQoQ -2
89
Sub-score

Securities profile is strong: securities 23.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
23.20%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 10.17%.

Tier 1 RBC
—
CET1
0.00%
Leverage
10.17%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StrongQoQ 0
97
Sub-score

Asset quality is strong: Adjusted NPL 0.86%, Texas Ratio 5.2%, NCO YTD 0.00%.

Adjusted NPL
0.86%
Govt-guarantees stripped
Texas Ratio
5.2%
NCO YTD
0.00%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +2
14
Sub-score

Reserves are weak: ALLL 0.71% of loans, coverage 82.9%, true coverage 23.5%.

ALLL / Loans
0.71%
Coverage
82.9%
True Loss Coverage
23.5%

Watch Items

  • riskTrue Loss Coverage Ratio below 50% — True coverage 23.5% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.71% 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: 2026-05-12 19:33:14 UTC