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First Central Savings Bank

IDRSSD: 2797359
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2025-Q1QoQ -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-Q1

Bank #2797359 2025-Q1 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 33.8% (Adjusted NPL + Performing Mods denominator).
  2. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 102.1% (threshold 100%).

What changed this quarter

Compared to Q4 2024:
↓ -2 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -6

The five pillars

Liquidity

StableQoQ -2
67
Sub-score

Liquidity is stable: brokered 2.9%, loans/deposits 102.1%, cash 3.4% of assets.

Cash / Assets
3.45%
Loans / Deposits
102.14%
Brokered %
2.91%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 102.1% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.10%
No watch items at this period.

Capitalization

StrongQoQ +1
91
Sub-score

Capital position is strong: Tier 1 RBC 13.38%, CET1 13.38%, leverage 9.62%.

Tier 1 RBC
13.38%
CET1
13.38%
Leverage
9.62%
No watch items at this period.

Asset Quality

StrongQoQ -3
88
Sub-score

Asset quality is strong: Adjusted NPL 1.82%, Texas Ratio 15.5%, NCO YTD -0.04%.

Adjusted NPL
1.82%
Govt-guarantees stripped
Texas Ratio
15.5%
NCO YTD
-0.04%
30-89 PD
0.13%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -6
21
Sub-score

Reserves are weak: ALLL 1.03% of loans, coverage 57.4%, true coverage 33.8%.

ALLL / Loans
1.03%
Coverage
57.4%
True Loss Coverage
33.8%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 33.8% (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: 2026-05-13 13:29:39 UTC