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First Bank Richmond

IDRSSD: 419675
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 419675 held $1.5B in total assets as of 2026-03-31 (-0.4% quarter-over-quarter). Total loans stood at $1.2B (-0.1% QoQ) and total deposits at $1.1B (-0.7% QoQ).

Overall position is weak — the composite Health Score is 31/100 (Weak). Tier 1 / RWA stands at 13.37%, in the below median of peers. Asset quality (NPL ratio) sits in the bottom 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
31/100
Weak
Active Alerts
1
0 critical, 1 warning
Total Assets
$1.5B
-0.4% QoQ
Total Loans
$1.2B
-0.1% QoQ
Total Deposits
$1.1B
-0.7% 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
13.37%
45th pctile · n=352↑ better
-2 bp QoQ
CET1 / RWA
13.37%
62th pctile · n=500↑ better
-1 bp QoQ
Total RBC / RWA
14.62%
46th pctile · n=352↑ better
-2 bp QoQ
Tier 1 Leverage Ratio
13.37%
61th pctile · n=500↑ better
-1 bp QoQ

Liquidity

Cash / Assets
2.23%
17th pctile · n=500↑ better
+19 bp QoQ
Loans / Deposits
105.63%
93th pctile · n=497↓ better
+61 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
1.48%
83th pctile · n=500↓ better
+2 bp QoQ
NPA / Assets
1.17%
82th pctile · n=500↓ better
+2 bp QoQ
Texas Ratio (regulatory)
9.41%
81th pctile · n=500↓ better
+8 bp QoQ
Net Charge-Offs / Avg Loans
0.12%
81th pctile · n=500↓ better
+0 bp QoQ
ALLL Coverage of NPL
95.02%
26th pctile · n=500↑ better
+37 bp QoQ

Earnings

Net Interest Margin
3.13%
17th pctile · n=500↑ better
-1 bp QoQ
Return on Assets
0.77%
22th pctile · n=500↑ better
-24 bp QoQ
Return on Equity
8.64%
28th pctile · n=500↑ better
-294 bp QoQ
Efficiency Ratio
66.91%
67th pctile · n=500↓ better
+582 bp QoQ
Pre-tax NOI / Avg Assets
0.94%
22th pctile · n=500↑ better
-30 bp QoQ

Funding

Brokered / Deposits
21.27%
93th pctile · n=497↓ better
+20 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
18.56%
98th pctile · n=500↓ better
+121 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
16.38%
58th pctile · n=500↑ better
-38 bp QoQ
AFS Securities / Assets
16.22%
65th pctile · n=500↑ better
-36 bp QoQ
HTM Securities / Assets
0.16%
64th pctile · n=500↑ better
-3 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: 2026-05-13 06:43:47 UTC