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First Bank

IDRSSD: 3401970
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StableAs of 2024-Q1QoQ -2

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

Quarterly Headline

2024-Q1

Bank #3401970 2024-Q1 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q4 2023:
↓ -2 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ -8
  • Reserves
    ↓ -6

The five pillars

Liquidity

StableQoQ 0
72
Sub-score

Liquidity is stable: brokered 7.7%, loans/deposits 99.5%, cash 6.4% of assets.

Cash / Assets
6.40%
Loans / Deposits
99.52%
Brokered %
7.71%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.21%
No watch items at this period.

Capitalization

WatchQoQ +3
57
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.46%, CET1 9.46%, leverage 9.11%.

Tier 1 RBC
9.46%
CET1
9.46%
Leverage
9.11%
No watch items at this period.

Asset Quality

StrongQoQ -8
91
Sub-score

Asset quality is strong: Adjusted NPL 0.39%, Texas Ratio 3.2%, NCO YTD 0.70%.

Adjusted NPL
0.39%
Govt-guarantees stripped
Texas Ratio
3.2%
NCO YTD
0.70%
30-89 PD
0.95%
Band 0.3% / 3.0%
90+ PD
0.07%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -6
91
Sub-score

Reserves are strong: ALLL 1.22% of loans, coverage 312.3%, true coverage 312.3%.

ALLL / Loans
1.22%
Coverage
312.3%
True Loss Coverage
312.3%
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 09:01:15 UTC