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First Central Bank

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

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2024-Q1QoQ +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-Q1

Bank #134156 2024-Q1 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.61% (govt-guarantees stripped).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 43.3% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q4 2023:
↑ +4 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +9
  • Asset Quality
    ↑ +7
  • Reserves
    ↑ +2

The five pillars

Liquidity

StableQoQ -2
70
Sub-score

Liquidity is stable: brokered 10.0%, loans/deposits 87.8%, cash 3.3% of assets.

Cash / Assets
3.33%
Loans / Deposits
87.85%
Brokered %
9.98%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 8.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
8.82%
No watch items at this period.

Capitalization

StrongQoQ +9
90
Sub-score

Capital position is strong: Tier 1 RBC 12.43%, CET1 12.43%, leverage 11.02%.

Tier 1 RBC
12.43%
CET1
12.43%
Leverage
11.02%
No watch items at this period.

Asset Quality

StableQoQ +7
71
Sub-score

Asset quality is stable: Adjusted NPL 3.61%, Texas Ratio 22.0%, NCO YTD -0.73%.

Adjusted NPL
3.61%
Govt-guarantees stripped
Texas Ratio
22.0%
NCO YTD
-0.73%
30-89 PD
0.48%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.61% (govt-guarantees stripped).

Reserves

WatchQoQ +2
41
Sub-score

Reserves are deteriorating: ALLL 1.95% of loans, coverage 55.2%, true coverage 43.3%.

ALLL / Loans
1.95%
Coverage
55.2%
True Loss Coverage
43.3%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 43.3% (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: 2026-05-12 02:10:38 UTC