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First Century Bank National Association

IDRSSD: 2997748
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
64
/ 100
StableAs of 2023-Q4QoQ -23

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

Quarterly Headline

2023-Q4

Bank #2997748 2023-Q4 Vital Signs Score: 64/100 — overall stable. Strongest pillar: Asset Quality (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    Brokered deposits above 30%
    Liquidity — Brokered 37.8% of deposits (threshold 30%).
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 49.3% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q3 2023:
↓ -23 ptscomposite
  • Liquidity
    ↓ -20
  • Securities
    ↑ +40
  • Capitalization
    ↓ -50
  • Asset Quality
    ↓ -7
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -20
80
Sub-score

Liquidity is strong: brokered 37.8%, loans/deposits 6.5%, cash 52.3% of assets.

Cash / Assets
52.33%
Loans / Deposits
6.47%
Brokered %
37.80%

Watch Items

  • watchBrokered deposits above 30% — Brokered 37.8% of deposits (threshold 30%).

Securities

StableQoQ +40
71
Sub-score

Securities profile is stable: securities 28.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
28.80%
No watch items at this period.

Capitalization

WatchQoQ -50
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 18.13%.

Tier 1 RBC
—
CET1
0.00%
Leverage
18.13%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StrongQoQ -7
93
Sub-score

Asset quality is strong: Adjusted NPL 1.30%, Texas Ratio 0.5%, NCO YTD -0.01%.

Adjusted NPL
1.30%
Govt-guarantees stripped
Texas Ratio
0.5%
NCO YTD
-0.01%
30-89 PD
0.27%
Band 0.3% / 3.0%
90+ PD
0.12%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Risk
14
Sub-score

Reserves are weak: ALLL 0.64% of loans, coverage 49.3%, true coverage 49.3%.

ALLL / Loans
0.64%
Coverage
49.3%
True Loss Coverage
49.3%

Watch Items

  • infoALLL / NPL below 50% — Coverage 49.3% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 49.3% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.64% of loans.

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: 2026-05-14 02:41:36 UTC