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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 — 2024-Q4

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

Synthesis

Vital Signs Score
70
/ 100
StableAs of 2024-Q4QoQ 0

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 #586027 2024-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
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 117.1% (threshold 100%).
  2. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  3. watch
    Brokered deposits above 30%
    Liquidity — Brokered 37.0% of deposits (threshold 30%).

What changed this quarter

Compared to Q3 2024:
↑ 0 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +1
  • Reserves
    — —

The five pillars

Liquidity

WatchQoQ +1
41
Sub-score

Liquidity is deteriorating: brokered 37.0%, loans/deposits 117.1%, cash 1.5% of assets.

Cash / Assets
1.48%
Loans / Deposits
117.13%
Brokered %
37.04%

Watch Items

  • watchBrokered deposits above 30% — Brokered 37.0% of deposits (threshold 30%).
  • riskLoans / Deposits above 100% — Loans/Deposits 117.1% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.48% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.97%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 30.52%.

Tier 1 RBC
—
CET1
0.00%
Leverage
30.52%

Watch Items

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

Asset Quality

StableQoQ +1
77
Sub-score

Asset quality is stable: Adjusted NPL 0.47%, Texas Ratio 1.1%, NCO YTD 1.38%.

Adjusted NPL
0.47%
Govt-guarantees stripped
Texas Ratio
1.1%
NCO YTD
1.38%
30-89 PD
1.69%
Band 0.3% / 3.0%
90+ PD
0.40%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.38% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 2.64% of loans, coverage 573.8%, true coverage 573.8%.

ALLL / Loans
2.64%
Coverage
573.8%
True Loss Coverage
573.8%
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