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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-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
67
/ 100
StableAs of 2025-Q3QoQ +7

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

Quarterly Headline

2025-Q3

Bank #134156 2025-Q3 Vital Signs Score: 67/100 — 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
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 16.0% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 18.9% (regulatory soft-warning level 50%).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 7.20% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↑ +7 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↑ +26
  • Reserves
    ↑ +6

The five pillars

Liquidity

StableQoQ -1
61
Sub-score

Liquidity is stable: brokered 16.8%, loans/deposits 91.4%, cash 2.4% of assets.

Cash / Assets
2.42%
Loans / Deposits
91.40%
Brokered %
16.80%

Watch Items

  • infoCash / Assets below 3% — Cash 2.42% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 7.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
7.11%
No watch items at this period.

Capitalization

StrongQoQ -2
81
Sub-score

Capital position is strong: Tier 1 RBC 12.14%, CET1 12.14%, leverage 10.97%.

Tier 1 RBC
12.14%
CET1
12.14%
Leverage
10.97%
No watch items at this period.

Asset Quality

WatchQoQ +26
60
Sub-score

Asset quality is deteriorating: Adjusted NPL 7.20%, Texas Ratio 46.3%, NCO YTD -0.67%.

Adjusted NPL
7.20%
Govt-guarantees stripped
Texas Ratio
46.3%
NCO YTD
-0.67%
30-89 PD
0.02%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 7.20% (govt-guarantees stripped).

Reserves

RiskQoQ +6
28
Sub-score

Reserves are weak: ALLL 1.34% of loans, coverage 18.9%, true coverage 16.0%.

ALLL / Loans
1.34%
Coverage
18.9%
True Loss Coverage
16.0%

Watch Items

  • riskALLL / NPL below 50% — Coverage 18.9% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 16.0% (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