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First Bank

IDRSSD: 239659
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
95
/ 100
StrongAs of 2023-Q4QoQ -3

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 #239659 2023-Q4 Vital Signs Score: 95/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (strong).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 100.7% (threshold 100%).

What changed this quarter

Compared to Q3 2023:
↓ -3 ptscomposite
  • Liquidity
    ↓ -15
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ -5
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -15
85
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 100.7%, cash 10.6% of assets.

Cash / Assets
10.55%
Loans / Deposits
100.71%
Brokered %
0.00%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 100.7% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.00%
No watch items at this period.

Capitalization

StrongQoQ +3
96
Sub-score

Capital position is strong: Tier 1 RBC 13.12%, CET1 13.12%, leverage 12.86%.

Tier 1 RBC
13.12%
CET1
13.12%
Leverage
12.86%
No watch items at this period.

Asset Quality

StrongQoQ -5
95
Sub-score

Asset quality is strong: Adjusted NPL 0.93%, Texas Ratio 5.4%, NCO YTD 0.10%.

Adjusted NPL
0.93%
Govt-guarantees stripped
Texas Ratio
5.4%
NCO YTD
0.10%
30-89 PD
0.35%
Band 0.3% / 3.0%
90+ PD
0.18%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 2.00% of loans, coverage 218.5%, true coverage 218.5%.

ALLL / Loans
2.00%
Coverage
218.5%
True Loss Coverage
218.5%
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: 2026-05-13 09:50:43 UTC