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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-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
70
/ 100
StableAs of 2024-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

2024-Q4

Bank #919568 2024-Q4 Vital Signs Score: 70/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (watch).

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

Top 3 Watch Items

  1. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 2.16%.
  2. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.64% of loans.
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.30% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2024:
↑ +7 ptscomposite
  • Liquidity
    ↑ +10
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↑ +17
  • Reserves
    ↑ +15

The five pillars

Liquidity

StrongQoQ +10
87
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 83.2%, cash 7.1% of assets.

Cash / Assets
7.12%
Loans / Deposits
83.16%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.95%
No watch items at this period.

Capitalization

StableQoQ -5
69
Sub-score

Capital position is stable: Tier 1 RBC 11.32%, CET1 11.32%, leverage 9.26%.

Tier 1 RBC
11.32%
CET1
11.32%
Leverage
9.26%
No watch items at this period.

Asset Quality

WatchQoQ +17
46
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.30%, Texas Ratio 17.4%, NCO YTD 1.64%.

Adjusted NPL
2.30%
Govt-guarantees stripped
Texas Ratio
17.4%
NCO YTD
1.64%
30-89 PD
1.47%
Band 0.3% / 3.0%
90+ PD
2.16%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.30% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 2.16%.
  • watchNet charge-offs elevated — NCO YTD 1.64% of loans.

Reserves

WatchQoQ +15
58
Sub-score

Reserves are deteriorating: ALLL 1.66% of loans, coverage 73.3%, true coverage 71.9%.

ALLL / Loans
1.66%
Coverage
73.3%
True Loss Coverage
71.9%
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: 2026-05-13 11:39:15 UTC