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First Bank Of Alabama

IDRSSD: 257233
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
81
/ 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 #257233 2024-Q4 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.47% (govt-guarantees stripped).
  2. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.28% of loans.

What changed this quarter

Compared to Q3 2024:
↓ -4 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↓ -9
  • Reserves
    ↓ -13

The five pillars

Liquidity

StrongQoQ +3
91
Sub-score

Liquidity is strong: brokered 1.9%, loans/deposits 66.2%, cash 6.3% of assets.

Cash / Assets
6.32%
Loans / Deposits
66.16%
Brokered %
1.91%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.09%
No watch items at this period.

Capitalization

StrongQoQ -3
88
Sub-score

Capital position is strong: Tier 1 RBC 12.83%, CET1 12.83%, leverage 9.84%.

Tier 1 RBC
12.83%
CET1
12.83%
Leverage
9.84%
No watch items at this period.

Asset Quality

StableQoQ -9
72
Sub-score

Asset quality is stable: Adjusted NPL 2.47%, Texas Ratio 14.2%, NCO YTD 1.28%.

Adjusted NPL
2.47%
Govt-guarantees stripped
Texas Ratio
14.2%
NCO YTD
1.28%
30-89 PD
0.33%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.47% (govt-guarantees stripped).
  • infoNet charge-offs elevated — NCO YTD 1.28% of loans.

Reserves

WatchQoQ -13
50
Sub-score

Reserves are deteriorating: ALLL 1.55% of loans, coverage 63.8%, true coverage 59.0%.

ALLL / Loans
1.55%
Coverage
63.8%
True Loss Coverage
59.0%
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.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: 2026-05-14 04:24:48 UTC