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First Capital Bank

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

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
74
/ 100
StableAs of 2025-Q2QoQ -13

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

Quarterly Headline

2025-Q2

Bank #919568 2025-Q2 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (watch).

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

Top 3 Watch Items

  1. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 2.02%.
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.08% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2025:
↓ -13 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↓ -36
  • Reserves
    ↓ -39

The five pillars

Liquidity

StrongQoQ +6
84
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 86.2%, cash 6.6% of assets.

Cash / Assets
6.57%
Loans / Deposits
86.23%
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
0.98%
No watch items at this period.

Capitalization

StrongQoQ +4
81
Sub-score

Capital position is strong: Tier 1 RBC 12.13%, CET1 12.13%, leverage 10.01%.

Tier 1 RBC
12.13%
CET1
12.13%
Leverage
10.01%
No watch items at this period.

Asset Quality

WatchQoQ -36
52
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.08%, Texas Ratio 15.1%, NCO YTD -0.08%.

Adjusted NPL
2.08%
Govt-guarantees stripped
Texas Ratio
15.1%
NCO YTD
-0.08%
30-89 PD
3.21%
Band 0.3% / 3.0%
90+ PD
2.02%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.08% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 2.02%.

Reserves

StableQoQ -39
61
Sub-score

Reserves are stable: ALLL 1.57% of loans, coverage 76.7%, true coverage 75.9%.

ALLL / Loans
1.57%
Coverage
76.7%
True Loss Coverage
75.9%
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