Liquidity
StableQoQ 0
70
Sub-score
Liquidity is stable: brokered 16.5%, loans/deposits 84.1%, cash 4.8% of assets.
- Cash / Assets
- 4.81%
- Loans / Deposits
- 84.14%
- Brokered %
- 16.47%
No watch items at this period.
First Bank Chicago
IDRSSD: 804338
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2025-Q2
Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
76
/ 100
StableAs of 2025-Q2QoQ +6
Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.
Quarterly Headline
2025-Q2
Bank #804338 2025-Q2 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Asset Quality (strong). Weakest pillar: Capitalization (watch).
Liquidity:Stable
Securities:Strong
Capitalization:Watch
Asset Quality:Strong
Reserves:Stable
Top 3 Watch Items
- riskCET1 below 7%Capitalization — CET1 0.00% (threshold 7%).
What changed this quarter
Compared to Q1 2025:
↑ +6 ptscomposite
- Liquidity↑ 0
- Securities↑ +2
- Capitalization↓ 0
- Asset Quality↑ +4
- Reserves↑ +32
The five pillars
Securities
StrongQoQ +2
96
Sub-score
Securities profile is strong: securities 21.1% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 21.09%
SVB watch metric
No watch items at this period.
Capitalization
WatchQoQ 0
46
Sub-score
Capital position is deteriorating: CET1 0.00%, leverage 9.57%.
- Tier 1 RBC
- —
- CET1
- 0.00%
- Leverage
- 9.57%
Watch Items
- riskCET1 below 7% — CET1 0.00% (threshold 7%).
Asset Quality
StrongQoQ +4
99
Sub-score
Asset quality is strong: Adjusted NPL 0.51%, Texas Ratio 3.5%, NCO YTD -0.09%.
- Adjusted NPL
- 0.51%
- Texas Ratio
- 3.5%
- NCO YTD
- -0.09%
- 30-89 PD
- 0.12%
- 90+ PD
- 0.00%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StableQoQ +32
72
Sub-score
Reserves are stable: ALLL 0.87% of loans, coverage 171.0%, true coverage 115.0%.
- ALLL / Loans
- 0.87%
- Coverage
- 171.0%
- True Loss Coverage
- 115.0%
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.tsfor 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