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First Central Bank

IDRSSD: 134156
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
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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
69
/ 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 #134156 2024-Q3 Vital Signs Score: 69/100 — 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 5.27% (govt-guarantees stripped).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 38.5% (regulatory soft-warning level 50%).
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 38.5% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q2 2024:
↑ +1 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +5
  • Asset Quality
    ↓ 0
  • Reserves
    ↑ +4

The five pillars

Liquidity

StableQoQ -2
66
Sub-score

Liquidity is stable: brokered 10.0%, loans/deposits 94.5%, cash 3.4% of assets.

Cash / Assets
3.43%
Loans / Deposits
94.49%
Brokered %
10.03%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 9.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
8.97%
No watch items at this period.

Capitalization

StrongQoQ +5
85
Sub-score

Capital position is strong: Tier 1 RBC 12.53%, CET1 12.53%, leverage 11.60%.

Tier 1 RBC
12.53%
CET1
12.53%
Leverage
11.60%
No watch items at this period.

Asset Quality

WatchQoQ 0
57
Sub-score

Asset quality is deteriorating: Adjusted NPL 5.27%, Texas Ratio 31.6%, NCO YTD -0.53%.

Adjusted NPL
5.27%
Govt-guarantees stripped
Texas Ratio
31.6%
NCO YTD
-0.53%
30-89 PD
1.27%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.27% (govt-guarantees stripped).

Reserves

RiskQoQ +4
37
Sub-score

Reserves are weak: ALLL 1.99% of loans, coverage 38.5%, true coverage 38.5%.

ALLL / Loans
1.99%
Coverage
38.5%
True Loss Coverage
38.5%

Watch Items

  • watchALLL / NPL below 50% — Coverage 38.5% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 38.5% (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