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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-Q3

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

Synthesis

Vital Signs Score
69
/ 100
StableAs of 2025-Q3QoQ -5

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 #919568 2025-Q3 Vital Signs Score: 69/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 6.22% (govt-guarantees stripped).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 25.5% (Adjusted NPL + Performing Mods denominator).
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 25.6% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q2 2025:
↓ -5 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↓ -5
  • Reserves
    ↓ -28

The five pillars

Liquidity

StrongQoQ +3
87
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 79.5%, cash 6.2% of assets.

Cash / Assets
6.22%
Loans / Deposits
79.54%
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
0.90%
No watch items at this period.

Capitalization

StrongQoQ 0
81
Sub-score

Capital position is strong: Tier 1 RBC 12.34%, CET1 12.34%, leverage 9.45%.

Tier 1 RBC
12.34%
CET1
12.34%
Leverage
9.45%
No watch items at this period.

Asset Quality

WatchQoQ -5
48
Sub-score

Asset quality is deteriorating: Adjusted NPL 6.22%, Texas Ratio 43.6%, NCO YTD 0.17%.

Adjusted NPL
6.22%
Govt-guarantees stripped
Texas Ratio
43.6%
NCO YTD
0.17%
30-89 PD
1.58%
Band 0.3% / 3.0%
90+ PD
0.60%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 6.22% (govt-guarantees stripped).

Reserves

RiskQoQ -28
33
Sub-score

Reserves are weak: ALLL 1.57% of loans, coverage 25.6%, true coverage 25.5%.

ALLL / Loans
1.57%
Coverage
25.6%
True Loss Coverage
25.5%

Watch Items

  • watchALLL / NPL below 50% — Coverage 25.6% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 25.5% (Adjusted NPL + Performing Mods denominator).

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