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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 — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
60
/ 100
WatchAs of 2025-Q2QoQ -2

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

Quarterly Headline

2025-Q2

Bank #134156 2025-Q2 Vital Signs Score: 60/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 17.0% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 17.0% (Adjusted NPL + Performing Mods denominator).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 6.95% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -8
  • Reserves
    ↑ +8

The five pillars

Liquidity

StableQoQ -5
62
Sub-score

Liquidity is stable: brokered 19.3%, loans/deposits 88.0%, cash 3.0% of assets.

Cash / Assets
2.95%
Loans / Deposits
87.97%
Brokered %
19.34%

Watch Items

  • infoCash / Assets below 3% — Cash 2.95% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 7.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
7.16%
No watch items at this period.

Capitalization

StrongQoQ +1
82
Sub-score

Capital position is strong: Tier 1 RBC 12.34%, CET1 12.34%, leverage 10.64%.

Tier 1 RBC
12.34%
CET1
12.34%
Leverage
10.64%
No watch items at this period.

Asset Quality

RiskQoQ -8
34
Sub-score

Asset quality is weak: Adjusted NPL 6.95%, Texas Ratio 45.7%, NCO YTD 1.27%.

Adjusted NPL
6.95%
Govt-guarantees stripped
Texas Ratio
45.7%
NCO YTD
1.27%
30-89 PD
2.77%
Band 0.3% / 3.0%
90+ PD
0.15%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 6.95% (govt-guarantees stripped).
  • infoNet charge-offs elevated — NCO YTD 1.27% of loans.

Reserves

RiskQoQ +8
22
Sub-score

Reserves are weak: ALLL 1.17% of loans, coverage 17.0%, true coverage 17.0%.

ALLL / Loans
1.17%
Coverage
17.0%
True Loss Coverage
17.0%

Watch Items

  • riskALLL / NPL below 50% — Coverage 17.0% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 17.0% (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: 2026-05-12 02:10:38 UTC