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First Capital Bank

IDRSSD: 919568
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
79
/ 100
StableAs of 2024-Q2QoQ -9

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 #919568 2024-Q2 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q1 2024:
↓ -9 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↓ -25
  • Reserves
    ↓ -17

The five pillars

Liquidity

StableQoQ +6
79
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 83.5%, cash 3.5% of assets.

Cash / Assets
3.49%
Loans / Deposits
83.54%
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
1.02%
No watch items at this period.

Capitalization

StableQoQ -5
77
Sub-score

Capital position is stable: Tier 1 RBC 11.73%, CET1 11.73%, leverage 10.01%.

Tier 1 RBC
11.73%
CET1
11.73%
Leverage
10.01%
No watch items at this period.

Asset Quality

StableQoQ -25
67
Sub-score

Asset quality is stable: Adjusted NPL 1.34%, Texas Ratio 9.7%, NCO YTD 0.41%.

Adjusted NPL
1.34%
Govt-guarantees stripped
Texas Ratio
9.7%
NCO YTD
0.41%
30-89 PD
3.51%
Band 0.3% / 3.0%
90+ PD
0.82%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -17
83
Sub-score

Reserves are strong: ALLL 1.65% of loans, coverage 125.6%, true coverage 116.5%.

ALLL / Loans
1.65%
Coverage
125.6%
True Loss Coverage
116.5%
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