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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 — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2026-Q1QoQ -1

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

Quarterly Headline

2026-Q1

Bank #586027 2026-Q1 Vital Signs Score: 71/100 — 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
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.92% of assets (threshold 3%).
  3. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.61% of loans.

What changed this quarter

Compared to Q4 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -4
  • Reserves
    — —

The five pillars

Liquidity

WatchQoQ -2
44
Sub-score

Liquidity is deteriorating: brokered 29.7%, loans/deposits 103.1%, cash 0.9% of assets.

Cash / Assets
0.92%
Loans / Deposits
103.13%
Brokered %
29.68%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 103.1% (threshold 100%).
  • riskCash / Assets below 3% — Cash 0.92% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.88%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 33.77%.

Tier 1 RBC
—
CET1
0.00%
Leverage
33.77%

Watch Items

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

Asset Quality

StableQoQ -4
80
Sub-score

Asset quality is stable: Adjusted NPL 0.28%, Texas Ratio 0.5%, NCO YTD 1.61%.

Adjusted NPL
0.28%
Govt-guarantees stripped
Texas Ratio
0.5%
NCO YTD
1.61%
30-89 PD
1.40%
Band 0.3% / 3.0%
90+ PD
0.14%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 1.61% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 3.06% of loans, coverage 1123.2%, true coverage 1123.2%.

ALLL / Loans
3.06%
Coverage
1123.2%
True Loss Coverage
1123.2%
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