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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 — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StrongAs of 2026-Q1QoQ +5

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

Quarterly Headline

2026-Q1

Bank #2797359 2026-Q1 Vital Signs Score: 80/100 — 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
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 103.2% (threshold 100%).

What changed this quarter

Compared to Q4 2025:
↑ +5 ptscomposite
  • Liquidity
    ↓ -6
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↑ +17
  • Reserves
    ↑ +12

The five pillars

Liquidity

StableQoQ -6
68
Sub-score

Liquidity is stable: brokered 1.2%, loans/deposits 103.2%, cash 3.4% of assets.

Cash / Assets
3.36%
Loans / Deposits
103.19%
Brokered %
1.22%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 103.2% (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
99
Sub-score

Capital position is strong: Tier 1 RBC 14.61%, CET1 14.61%, leverage 10.31%.

Tier 1 RBC
14.61%
CET1
14.61%
Leverage
10.31%
No watch items at this period.

Asset Quality

StrongQoQ +17
91
Sub-score

Asset quality is strong: Adjusted NPL 1.26%, Texas Ratio 10.0%, NCO YTD -0.01%.

Adjusted NPL
1.26%
Govt-guarantees stripped
Texas Ratio
10.0%
NCO YTD
-0.01%
30-89 PD
0.67%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +12
29
Sub-score

Reserves are weak: ALLL 0.87% of loans, coverage 69.2%, true coverage 56.5%.

ALLL / Loans
0.87%
Coverage
69.2%
True Loss Coverage
56.5%
No watch items at this period.

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