Visbanking Logo
Skip to main content

First Bank

IDRSSD: 49652
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
58
/ 100
WatchAs of 2026-Q1QoQ -5

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 #49652 2026-Q1 Vital Signs Score: 58/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 6.04% (govt-guarantees stripped).
  3. info
    Cash / Assets below 3%
    Liquidity — Cash 2.58% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2025:
↓ -5 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -21
  • Reserves
    ↓ -2

The five pillars

Liquidity

StableQoQ +1
70
Sub-score

Liquidity is stable: brokered 8.6%, loans/deposits 85.3%, cash 2.6% of assets.

Cash / Assets
2.58%
Loans / Deposits
85.27%
Brokered %
8.62%

Watch Items

  • infoCash / Assets below 3% — Cash 2.58% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 12.58%.

Tier 1 RBC
—
CET1
0.00%
Leverage
12.58%

Watch Items

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

Asset Quality

RiskQoQ -21
40
Sub-score

Asset quality is weak: Adjusted NPL 6.04%, Texas Ratio 27.6%, NCO YTD -0.07%.

Adjusted NPL
6.04%
Govt-guarantees stripped
Texas Ratio
27.6%
NCO YTD
-0.07%
30-89 PD
3.89%
Band 0.3% / 3.0%
90+ PD
0.89%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 6.04% (govt-guarantees stripped).

Reserves

WatchQoQ -2
44
Sub-score

Reserves are deteriorating: ALLL 2.99% of loans, coverage 51.0%, true coverage 51.0%.

ALLL / Loans
2.99%
Coverage
51.0%
True Loss Coverage
51.0%
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: 2026-05-15 02:39:46 UTC