Liquidity
StableQoQ +9
66
Sub-score
Liquidity is stable: brokered 21.6%, loans/deposits 89.6%, cash 5.5% of assets.
- Cash / Assets
- 5.49%
- Loans / Deposits
- 89.64%
- Brokered %
- 21.65%
No watch items at this period.
First Carolina Bank
IDRSSD: 2963266
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
76
/ 100
StableAs of 2026-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
2026-Q1
Bank #2963266 2026-Q1 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).
Liquidity:Stable
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Risk
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q4 2025:
↑ +3 ptscomposite
- Liquidity↑ +9
- Securities— —
- Capitalization↑ +5
- Asset Quality↑ 0
- Reserves↓ -1
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 0.0% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 0.00%
SVB watch metric
No watch items at this period.
Capitalization
StableQoQ +5
72
Sub-score
Capital position is stable: Tier 1 RBC 11.55%, CET1 11.55%, leverage 9.81%.
- Tier 1 RBC
- 11.55%
- CET1
- 11.55%
- Leverage
- 9.81%
No watch items at this period.
Asset Quality
StrongQoQ 0
97
Sub-score
Asset quality is strong: Adjusted NPL 0.84%, Texas Ratio 6.3%, NCO YTD 0.00%.
- Adjusted NPL
- 0.84%
- Texas Ratio
- 6.3%
- NCO YTD
- 0.00%
- 30-89 PD
- 0.00%
- 90+ PD
- 0.00%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
RiskQoQ -1
35
Sub-score
Reserves are weak: ALLL 0.79% of loans, coverage 94.5%, true coverage 62.6%.
- ALLL / Loans
- 0.79%
- Coverage
- 94.5%
- True Loss Coverage
- 62.6%
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.tsfor 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