Visbanking Logo
Skip to main content

First Carolina Bank

IDRSSD: 2963266
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2023-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

2023-Q4

Bank #2963266 2023-Q4 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. watch
    Uninsured deposits above 50%
    Liquidity — Uninsured 62.4% of deposits (threshold 50%).
  2. watch
    Brokered deposits above 30%
    Liquidity — Brokered 36.3% of deposits (threshold 30%).

What changed this quarter

Compared to Q3 2023:
↓ -6 ptscomposite
  • Liquidity
    ↓ -12
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    — —
  • Reserves
    — —

The five pillars

Liquidity

WatchQoQ -12
46
Sub-score

Liquidity is deteriorating: brokered 36.3%, loans/deposits 93.4%, cash 5.9% of assets.

Cash / Assets
5.91%
Loans / Deposits
93.35%
Brokered %
36.30%

Watch Items

  • watchBrokered deposits above 30% — Brokered 36.3% of deposits (threshold 30%).
  • watchUninsured deposits above 50% — Uninsured 62.4% of deposits (threshold 50%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.73%
No watch items at this period.

Capitalization

StrongQoQ -3
80
Sub-score

Capital position is strong: Tier 1 RBC 11.42%, CET1 11.42%, leverage 12.46%.

Tier 1 RBC
11.42%
CET1
11.42%
Leverage
12.46%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.00%, Texas Ratio 0.0%, NCO YTD 0.00%.

Adjusted NPL
0.00%
Govt-guarantees stripped
Texas Ratio
0.0%
NCO YTD
0.00%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Stable
67
Sub-score

Reserves are stable: ALLL 0.85% of loans, true coverage 161.8%.

ALLL / Loans
0.85%
Coverage
—
True Loss Coverage
161.8%
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 14:05:54 UTC