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First Business Bank

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

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2025-Q3QoQ 0

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

Quarterly Headline

2025-Q3

Bank #537449 2025-Q3 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.10% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2025:
↑ 0 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +5

The five pillars

Liquidity

WatchQoQ -4
48
Sub-score

Liquidity is deteriorating: brokered 26.8%, loans/deposits 99.3%, cash 1.1% of assets.

Cash / Assets
1.10%
Loans / Deposits
99.30%
Brokered %
26.81%

Watch Items

  • watchCash / Assets below 3% — Cash 1.10% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.26%
No watch items at this period.

Capitalization

StableQoQ -1
69
Sub-score

Capital position is stable: Tier 1 RBC 11.08%, CET1 11.08%, leverage 10.15%.

Tier 1 RBC
11.08%
CET1
11.08%
Leverage
10.15%
No watch items at this period.

Asset Quality

StrongQoQ +1
97
Sub-score

Asset quality is strong: Adjusted NPL 0.71%, Texas Ratio 5.2%, NCO YTD 0.15%.

Adjusted NPL
0.71%
Govt-guarantees stripped
Texas Ratio
5.2%
NCO YTD
0.15%
30-89 PD
0.17%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +5
77
Sub-score

Reserves are stable: ALLL 1.10% of loans, coverage 156.0%, true coverage 123.9%.

ALLL / Loans
1.10%
Coverage
156.0%
True Loss Coverage
123.9%
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