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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2025-Q4QoQ -8

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

Quarterly Headline

2025-Q4

Bank #2797359 2025-Q4 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 42.1% (Adjusted NPL + Performing Mods denominator).
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 49.1% (regulatory soft-warning level 50%).
  3. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.49% of loans.

What changed this quarter

Compared to Q3 2025:
↓ -8 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -14
  • Reserves
    ↓ -28

The five pillars

Liquidity

StableQoQ +1
74
Sub-score

Liquidity is stable: brokered 2.7%, loans/deposits 100.4%, cash 5.8% of assets.

Cash / Assets
5.77%
Loans / Deposits
100.38%
Brokered %
2.72%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 100.4% (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
0.31%
No watch items at this period.

Capitalization

StrongQoQ +1
98
Sub-score

Capital position is strong: Tier 1 RBC 14.44%, CET1 14.44%, leverage 9.86%.

Tier 1 RBC
14.44%
CET1
14.44%
Leverage
9.86%
No watch items at this period.

Asset Quality

StableQoQ -14
73
Sub-score

Asset quality is stable: Adjusted NPL 1.75%, Texas Ratio 14.0%, NCO YTD 1.49%.

Adjusted NPL
1.75%
Govt-guarantees stripped
Texas Ratio
14.0%
NCO YTD
1.49%
30-89 PD
0.75%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.49% of loans.

Reserves

RiskQoQ -28
17
Sub-score

Reserves are weak: ALLL 0.85% of loans, coverage 49.1%, true coverage 42.1%.

ALLL / Loans
0.85%
Coverage
49.1%
True Loss Coverage
42.1%

Watch Items

  • infoALLL / NPL below 50% — Coverage 49.1% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 42.1% (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