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First Capital Bank

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

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
63
/ 100
StableAs of 2025-Q4QoQ -6

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

Quarterly Headline

2025-Q4

Bank #919568 2025-Q4 Vital Signs Score: 63/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 19.9% (Adjusted NPL + Performing Mods denominator).
  2. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.93% (govt-guarantees stripped).
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 32.4% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q3 2025:
↓ -6 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↓ -15
  • Asset Quality
    ↓ -8
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -3
84
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 77.8%, cash 4.7% of assets.

Cash / Assets
4.68%
Loans / Deposits
77.79%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.84%
No watch items at this period.

Capitalization

StableQoQ -15
66
Sub-score

Capital position is stable: Tier 1 RBC 11.16%, CET1 11.16%, leverage 8.82%.

Tier 1 RBC
11.16%
CET1
11.16%
Leverage
8.82%
No watch items at this period.

Asset Quality

RiskQoQ -8
40
Sub-score

Asset quality is weak: Adjusted NPL 5.93%, Texas Ratio 44.5%, NCO YTD 1.50%.

Adjusted NPL
5.93%
Govt-guarantees stripped
Texas Ratio
44.5%
NCO YTD
1.50%
30-89 PD
1.64%
Band 0.3% / 3.0%
90+ PD
0.11%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.93% (govt-guarantees stripped).
  • watchNet charge-offs elevated — NCO YTD 1.50% of loans.

Reserves

Risk
33
Sub-score

Reserves are weak: ALLL 1.88% of loans, coverage 32.4%, true coverage 19.9%.

ALLL / Loans
1.88%
Coverage
32.4%
True Loss Coverage
19.9%

Watch Items

  • watchALLL / NPL below 50% — Coverage 32.4% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 19.9% (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