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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-Q2

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

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2025-Q2QoQ +5

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 #2797359 2025-Q2 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 46.0% (Adjusted NPL + Performing Mods denominator).
  2. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 100.8% (threshold 100%).

What changed this quarter

Compared to Q1 2025:
↑ +5 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↑ +2
  • Reserves
    ↑ +17

The five pillars

Liquidity

StableQoQ +3
71
Sub-score

Liquidity is stable: brokered 2.9%, loans/deposits 100.8%, cash 4.6% of assets.

Cash / Assets
4.59%
Loans / Deposits
100.84%
Brokered %
2.91%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 100.8% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.30%
No watch items at this period.

Capitalization

StrongQoQ +3
95
Sub-score

Capital position is strong: Tier 1 RBC 13.86%, CET1 13.86%, leverage 9.64%.

Tier 1 RBC
13.86%
CET1
13.86%
Leverage
9.64%
No watch items at this period.

Asset Quality

StrongQoQ +2
90
Sub-score

Asset quality is strong: Adjusted NPL 1.01%, Texas Ratio 8.4%, NCO YTD 0.52%.

Adjusted NPL
1.01%
Govt-guarantees stripped
Texas Ratio
8.4%
NCO YTD
0.52%
30-89 PD
0.59%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +17
38
Sub-score

Reserves are weak: ALLL 1.05% of loans, coverage 104.7%, true coverage 46.0%.

ALLL / Loans
1.05%
Coverage
104.7%
True Loss Coverage
46.0%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 46.0% (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: 2026-05-13 13:29:39 UTC