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First Business Bank

IDRSSD: 537449
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2024-Q2QoQ -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-Q2

Bank #537449 2024-Q2 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 102.5% (threshold 100%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.24% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2024:
↓ -2 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↓ -8
  • Asset Quality
    ↓ 0
  • Reserves
    ↑ +1

The five pillars

Liquidity

WatchQoQ 0
51
Sub-score

Liquidity is deteriorating: brokered 23.1%, loans/deposits 102.5%, cash 2.2% of assets.

Cash / Assets
2.24%
Loans / Deposits
102.49%
Brokered %
23.14%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 102.5% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.24% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.46%
No watch items at this period.

Capitalization

StableQoQ -8
61
Sub-score

Capital position is stable: Tier 1 RBC 10.44%, CET1 10.44%, leverage 9.86%.

Tier 1 RBC
10.44%
CET1
10.44%
Leverage
9.86%
No watch items at this period.

Asset Quality

StrongQoQ 0
98
Sub-score

Asset quality is strong: Adjusted NPL 0.64%, Texas Ratio 4.9%, NCO YTD 0.19%.

Adjusted NPL
0.64%
Govt-guarantees stripped
Texas Ratio
4.9%
NCO YTD
0.19%
30-89 PD
0.09%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +1
81
Sub-score

Reserves are strong: ALLL 1.11% of loans, coverage 174.2%, true coverage 129.6%.

ALLL / Loans
1.11%
Coverage
174.2%
True Loss Coverage
129.6%
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 23:29:20 UTC