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First Bank Of Ohio

IDRSSD: 586027
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
70
/ 100
StableAs 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 #586027 2023-Q4 Vital Signs Score: 70/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 45.4% of deposits (threshold 30%).
  2. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  3. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.86% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2023:
↑ +6 ptscomposite
  • Liquidity
    ↓ -11
  • Securities
    — —
  • Capitalization
    ↓ -50
  • Asset Quality
    ↑ +60
  • Reserves
    — —

The five pillars

Liquidity

WatchQoQ -11
40
Sub-score

Liquidity is deteriorating: brokered 45.4%, loans/deposits 111.1%, cash 0.9% of assets.

Cash / Assets
0.86%
Loans / Deposits
111.15%
Brokered %
45.38%

Watch Items

  • riskBrokered deposits above 30% — Brokered 45.4% of deposits (threshold 30%).
  • watchLoans / Deposits above 100% — Loans/Deposits 111.1% (threshold 100%).
  • riskCash / Assets below 3% — Cash 0.86% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 6.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
6.19%
No watch items at this period.

Capitalization

WatchQoQ -50
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 28.58%.

Tier 1 RBC
—
CET1
0.00%
Leverage
28.58%

Watch Items

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

Asset Quality

StableQoQ +60
78
Sub-score

Asset quality is stable: Adjusted NPL 0.39%, Texas Ratio 1.0%, NCO YTD 1.59%.

Adjusted NPL
0.39%
Govt-guarantees stripped
Texas Ratio
1.0%
NCO YTD
1.59%
30-89 PD
1.38%
Band 0.3% / 3.0%
90+ PD
0.32%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 1.59% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 2.38% of loans, coverage 623.4%, true coverage 623.4%.

ALLL / Loans
2.38%
Coverage
623.4%
True Loss Coverage
623.4%
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 23:33:36 UTC