Visbanking Logo
Skip to main content

First Central Bank

IDRSSD: 134156
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 4 alerts active.

Summary

RSSD 134156 held $137.6M in total assets as of 2026-03-31 (-4.7% quarter-over-quarter). Total loans stood at $99.2M (-3.2% QoQ) and total deposits at $116.0M (-2.6% QoQ).

Overall position is adequate — the composite Health Score is 42/100 (Adequate). Tier 1 / RWA stands at 13.77%, in the below median of peers. Asset quality (NPL ratio) sits in the bottom decile of peers.

4 Quarterly Anomaly Alerts fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
42/100
Adequate
Active Alerts
4
0 critical, 3 warning
Total Assets
$137.6M
-4.7% QoQ
Total Loans
$99.2M
-3.2% QoQ
Total Deposits
$116.0M
-2.6% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
13.77%
26th pctile · n=215↑ better
+36 bp QoQ
CET1 / RWA
13.77%
69th pctile · n=500↑ better
+36 bp QoQ
Total RBC / RWA
15.00%
27th pctile · n=215↑ better
+45 bp QoQ
Tier 1 Leverage Ratio
13.77%
68th pctile · n=500↑ better
+36 bp QoQ

Liquidity

Cash / Assets
4.54%
38th pctile · n=500↑ better
-236 bp QoQ
Loans / Deposits
85.52%
72th pctile · n=492↓ better
-51 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
3.76%
94th pctile · n=500↓ better
-122 bp QoQ
NPA / Assets
2.94%
95th pctile · n=500↓ better
-82 bp QoQ
Texas Ratio (regulatory)
23.57%
95th pctile · n=500↓ better
-839 bp QoQ
Net Charge-Offs / Avg Loans
-0.25%
2th pctile · n=500↓ better
-91 bp QoQ
ALLL Coverage of NPL
36.34%
29th pctile · n=500↑ better
+1124 bp QoQ

Earnings

Net Interest Margin
4.29%
69th pctile · n=500↑ better
-29 bp QoQ
Return on Assets
1.27%
56th pctile · n=500↑ better
-61 bp QoQ
Return on Equity
11.36%
53th pctile · n=500↑ better
-593 bp QoQ
Efficiency Ratio
60.95%
35th pctile · n=500↓ better
+1154 bp QoQ
Pre-tax NOI / Avg Assets
1.75%
74th pctile · n=500↑ better
-66 bp QoQ

Funding

Brokered / Deposits
14.18%
93th pctile · n=492↓ better
-167 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
3.74%
79th pctile · n=500↓ better
-271 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
10.06%
26th pctile · n=500↑ better
+21 bp QoQ
AFS Securities / Assets
2.96%
20th pctile · n=500↑ better
-6 bp QoQ
HTM Securities / Assets
7.12%
89th pctile · n=500↑ better
+27 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-12 02:11:04 UTC