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First Central Bank Mccook

IDRSSD: 2726050
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
66
/ 100
StableAs of 2024-Q2QoQ -4

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

Quarterly Headline

2024-Q2

Bank #2726050 2024-Q2 Vital Signs Score: 66/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 7.43% (govt-guarantees stripped).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 27.6% (Adjusted NPL + Performing Mods denominator).
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 27.6% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q1 2024:
↓ -4 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↓ -14
  • Asset Quality
    ↓ -6
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +4
62
Sub-score

Liquidity is stable: brokered 27.5%, loans/deposits 89.5%, cash 5.4% of assets.

Cash / Assets
5.45%
Loans / Deposits
89.47%
Brokered %
27.54%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 9.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
9.83%
No watch items at this period.

Capitalization

StrongQoQ -14
83
Sub-score

Capital position is strong: Tier 1 RBC 12.34%, CET1 12.34%, leverage 11.08%.

Tier 1 RBC
12.34%
CET1
12.34%
Leverage
11.08%
No watch items at this period.

Asset Quality

WatchQoQ -6
50
Sub-score

Asset quality is deteriorating: Adjusted NPL 7.43%, Texas Ratio 44.3%, NCO YTD -0.12%.

Adjusted NPL
7.43%
Govt-guarantees stripped
Texas Ratio
44.3%
NCO YTD
-0.12%
30-89 PD
1.99%
Band 0.3% / 3.0%
90+ PD
0.10%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 7.43% (govt-guarantees stripped).

Reserves

Risk
33
Sub-score

Reserves are weak: ALLL 2.01% of loans, coverage 27.6%, true coverage 27.6%.

ALLL / Loans
2.01%
Coverage
27.6%
True Loss Coverage
27.6%

Watch Items

  • watchALLL / NPL below 50% — Coverage 27.6% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 27.6% (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