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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-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
64
/ 100
StableAs of 2024-Q3QoQ -1

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

Quarterly Headline

2024-Q3

Bank #2726050 2024-Q3 Vital Signs Score: 64/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 7.18% (govt-guarantees stripped).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 29.0% (regulatory soft-warning level 50%).
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 29.0% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q2 2024:
↓ -1 ptscomposite
  • Liquidity
    ↓ -6
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -2
  • Reserves
    — —

The five pillars

Liquidity

WatchQoQ -6
56
Sub-score

Liquidity is deteriorating: brokered 27.8%, loans/deposits 91.7%, cash 3.5% of assets.

Cash / Assets
3.48%
Loans / Deposits
91.68%
Brokered %
27.84%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 10.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
10.28%
No watch items at this period.

Capitalization

StrongQoQ +2
85
Sub-score

Capital position is strong: Tier 1 RBC 12.49%, CET1 12.49%, leverage 11.29%.

Tier 1 RBC
12.49%
CET1
12.49%
Leverage
11.29%
No watch items at this period.

Asset Quality

WatchQoQ -2
48
Sub-score

Asset quality is deteriorating: Adjusted NPL 7.18%, Texas Ratio 42.7%, NCO YTD -0.05%.

Adjusted NPL
7.18%
Govt-guarantees stripped
Texas Ratio
42.7%
NCO YTD
-0.05%
30-89 PD
0.94%
Band 0.3% / 3.0%
90+ PD
1.14%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 7.18% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.14%.

Reserves

Risk
33
Sub-score

Reserves are weak: ALLL 2.04% of loans, coverage 29.0%, true coverage 29.0%.

ALLL / Loans
2.04%
Coverage
29.0%
True Loss Coverage
29.0%

Watch Items

  • watchALLL / NPL below 50% — Coverage 29.0% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 29.0% (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