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First Carolina Bank

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

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StableAs of 2025-Q1QoQ +3

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

Quarterly Headline

2025-Q1

Bank #2963266 2025-Q1 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Brokered deposits above 30%
    Liquidity — Brokered 38.6% of deposits (threshold 30%).

What changed this quarter

Compared to Q4 2024:
↑ +3 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ 0
  • Reserves
    ↑ +14

The five pillars

Liquidity

WatchQoQ +6
59
Sub-score

Liquidity is deteriorating: brokered 38.6%, loans/deposits 96.7%, cash 6.7% of assets.

Cash / Assets
6.71%
Loans / Deposits
96.74%
Brokered %
38.56%

Watch Items

  • watchBrokered deposits above 30% — Brokered 38.6% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.36%
No watch items at this period.

Capitalization

StrongQoQ -1
88
Sub-score

Capital position is strong: Tier 1 RBC 12.97%, CET1 12.97%, leverage 12.58%.

Tier 1 RBC
12.97%
CET1
12.97%
Leverage
12.58%
No watch items at this period.

Asset Quality

StrongQoQ 0
98
Sub-score

Asset quality is strong: Adjusted NPL 0.66%, Texas Ratio 4.2%, NCO YTD 0.00%.

Adjusted NPL
0.66%
Govt-guarantees stripped
Texas Ratio
4.2%
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

WatchQoQ +14
43
Sub-score

Reserves are deteriorating: ALLL 0.82% of loans, coverage 124.5%, true coverage 63.6%.

ALLL / Loans
0.82%
Coverage
124.5%
True Loss Coverage
63.6%
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