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First Bank

IDRSSD: 169653
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 1 alert active.

Summary

RSSD 169653 held $6.7B in total assets as of 2026-03-31 (+0.6% quarter-over-quarter). Total loans stood at $4.2B (+5.2% QoQ) and total deposits at $5.9B (-0.6% QoQ).

Overall position is adequate — the composite Health Score is 52/100 (Adequate). Tier 1 / RWA stands at 12.87%, in the below median of peers. Asset quality (NPL ratio) sits in the top quartile of peers.

1 Quarterly Anomaly Alert fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
52/100
Adequate
Active Alerts
1
0 critical, 1 warning
Total Assets
$6.7B
+0.6% QoQ
Total Loans
$4.2B
+5.2% QoQ
Total Deposits
$5.9B
-0.6% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
12.87%
44th pctile · n=192↑ better
-31 bp QoQ
CET1 / RWA
12.87%
52th pctile · n=213↑ better
-32 bp QoQ
Total RBC / RWA
13.79%
40th pctile · n=192↑ better
-28 bp QoQ
Tier 1 Leverage Ratio
12.87%
49th pctile · n=213↑ better
-32 bp QoQ

Liquidity

Cash / Assets
3.18%
30th pctile · n=213↑ better
-164 bp QoQ
Loans / Deposits
70.67%
18th pctile · n=211↓ better
+390 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
0.24%
20th pctile · n=213↓ better
-0 bp QoQ
NPA / Assets
0.19%
23th pctile · n=213↓ better
+4 bp QoQ
Texas Ratio (regulatory)
1.85%
23th pctile · n=213↓ better
+39 bp QoQ
Net Charge-Offs / Avg Loans
0.17%
71th pctile · n=213↓ better
+11 bp QoQ
ALLL Coverage of NPL
429.07%
80th pctile · n=213↑ better
-405 bp QoQ

Earnings

Net Interest Margin
3.02%
22th pctile · n=213↑ better
-6 bp QoQ
Return on Assets
0.63%
12th pctile · n=213↑ better
-2 bp QoQ
Return on Equity
7.80%
16th pctile · n=213↑ better
-36 bp QoQ
Efficiency Ratio
73.51%
89th pctile · n=213↓ better
-192 bp QoQ
Pre-tax NOI / Avg Assets
0.78%
11th pctile · n=213↑ better
-4 bp QoQ

Funding

Brokered / Deposits
0.62%
33th pctile · n=211↓ better
-21 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
1.92%
47th pctile · n=213↓ better
+105 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
28.87%
87th pctile · n=213↑ better
-61 bp QoQ
AFS Securities / Assets
15.77%
68th pctile · n=213↑ better
-7 bp QoQ
HTM Securities / Assets
13.07%
97th pctile · n=213↑ better
-54 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-14 13:17:10 UTC