Visbanking Logo
Skip to main content

First Central Bank Mccook

IDRSSD: 2726050
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
59
/ 100
WatchAs of 2023-Q4QoQ -25

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 #2726050 2023-Q4 Vital Signs Score: 59/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 23.0% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 23.0% (regulatory soft-warning level 50%).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 8.27% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2023:
↓ -25 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -74
  • Reserves
    — —

The five pillars

Liquidity

WatchQoQ +2
55
Sub-score

Liquidity is deteriorating: brokered 32.8%, loans/deposits 88.1%, cash 2.8% of assets.

Cash / Assets
2.82%
Loans / Deposits
88.05%
Brokered %
32.84%

Watch Items

  • infoBrokered deposits above 30% — Brokered 32.8% of deposits (threshold 30%).
  • infoCash / Assets below 3% — Cash 2.82% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 9.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
9.88%
No watch items at this period.

Capitalization

StrongQoQ +2
88
Sub-score

Capital position is strong: Tier 1 RBC 12.21%, CET1 12.21%, leverage 10.92%.

Tier 1 RBC
12.21%
CET1
12.21%
Leverage
10.92%
No watch items at this period.

Asset Quality

RiskQoQ -74
26
Sub-score

Asset quality is weak: Adjusted NPL 8.27%, Texas Ratio 49.1%, NCO YTD 2.67%.

Adjusted NPL
8.27%
Govt-guarantees stripped
Texas Ratio
49.1%
NCO YTD
2.67%
30-89 PD
3.16%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 8.27% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 2.67% of loans.

Reserves

Risk
33
Sub-score

Reserves are weak: ALLL 1.87% of loans, coverage 23.0%, true coverage 23.0%.

ALLL / Loans
1.87%
Coverage
23.0%
True Loss Coverage
23.0%

Watch Items

  • riskALLL / NPL below 50% — Coverage 23.0% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 23.0% (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 13:31:24 UTC