Visbanking Logo
Skip to main content

First Capital Bank

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

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2026-Q1QoQ +18

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

Quarterly Headline

2026-Q1

Bank #919568 2026-Q1 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

  1. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.77% of loans.
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 42.9% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q4 2025:
↑ +18 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↑ +20
  • Asset Quality
    ↑ +27
  • Reserves
    ↑ +39

The five pillars

Liquidity

StrongQoQ +2
86
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 80.6%, cash 6.1% of assets.

Cash / Assets
6.06%
Loans / Deposits
80.61%
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
0.92%
No watch items at this period.

Capitalization

StrongQoQ +20
86
Sub-score

Capital position is strong: Tier 1 RBC 12.91%, CET1 12.91%, leverage 9.18%.

Tier 1 RBC
12.91%
CET1
12.91%
Leverage
9.18%
No watch items at this period.

Asset Quality

StableQoQ +27
67
Sub-score

Asset quality is stable: Adjusted NPL 0.57%, Texas Ratio 3.9%, NCO YTD 1.77%.

Adjusted NPL
0.57%
Govt-guarantees stripped
Texas Ratio
3.9%
NCO YTD
1.77%
30-89 PD
3.17%
Band 0.3% / 3.0%
90+ PD
0.20%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 1.77% of loans.

Reserves

StableQoQ +39
73
Sub-score

Reserves are stable: ALLL 1.82% of loans, coverage 327.9%, true coverage 42.9%.

ALLL / Loans
1.82%
Coverage
327.9%
True Loss Coverage
42.9%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 42.9% (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