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First Bank Richmond

IDRSSD: 419675
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
81
/ 100
StrongAs of 2026-Q1QoQ 0

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 #419675 2026-Q1 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 105.6% (threshold 100%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.23% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2025:
↑ 0 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↑ 0
  • Reserves
    ↑ +2

The five pillars

Liquidity

WatchQoQ 0
51
Sub-score

Liquidity is deteriorating: brokered 21.3%, loans/deposits 105.6%, cash 2.2% of assets.

Cash / Assets
2.23%
Loans / Deposits
105.63%
Brokered %
21.27%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 105.6% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.23% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.16%
No watch items at this period.

Capitalization

StrongQoQ 0
93
Sub-score

Capital position is strong: Tier 1 RBC 13.37%, CET1 13.37%, leverage 11.10%.

Tier 1 RBC
13.37%
CET1
13.37%
Leverage
11.10%
No watch items at this period.

Asset Quality

StrongQoQ 0
89
Sub-score

Asset quality is strong: Adjusted NPL 1.50%, Texas Ratio 9.4%, NCO YTD 0.12%.

Adjusted NPL
1.50%
Govt-guarantees stripped
Texas Ratio
9.4%
NCO YTD
0.12%
30-89 PD
0.54%
Band 0.3% / 3.0%
90+ PD
0.15%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +2
71
Sub-score

Reserves are stable: ALLL 1.41% of loans, coverage 95.0%, true coverage 95.0%.

ALLL / Loans
1.41%
Coverage
95.0%
True Loss Coverage
95.0%
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: 2026-05-13 06:43:13 UTC