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First Capital Bank

IDRSSD: 919568
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
86
/ 100
StrongAs of 2023-Q4QoQ +7

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

Quarterly Headline

2023-Q4

Bank #919568 2023-Q4 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

  1. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.34% of loans.

What changed this quarter

Compared to Q3 2023:
↑ +7 ptscomposite
  • Liquidity
    ↑ +7
  • Securities
    — —
  • Capitalization
    ↓ -7
  • Asset Quality
    ↑ +20
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +7
93
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 84.6%, cash 11.7% of assets.

Cash / Assets
11.72%
Loans / Deposits
84.59%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.03%
No watch items at this period.

Capitalization

StableQoQ -7
79
Sub-score

Capital position is stable: Tier 1 RBC 11.49%, CET1 11.49%, leverage 9.69%.

Tier 1 RBC
11.49%
CET1
11.49%
Leverage
9.69%
No watch items at this period.

Asset Quality

StableQoQ +20
73
Sub-score

Asset quality is stable: Adjusted NPL 0.56%, Texas Ratio 4.4%, NCO YTD 1.34%.

Adjusted NPL
0.56%
Govt-guarantees stripped
Texas Ratio
4.4%
NCO YTD
1.34%
30-89 PD
2.49%
Band 0.3% / 3.0%
90+ PD
0.30%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.34% of loans.

Reserves

Strong
96
Sub-score

Reserves are strong: ALLL 1.37% of loans, coverage 248.6%, true coverage 203.5%.

ALLL / Loans
1.37%
Coverage
248.6%
True Loss Coverage
203.5%
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 11:39:15 UTC