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First Citizens Community Bank

IDRSSD: 978118
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2024-Q1QoQ +7

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

Quarterly Headline

2024-Q1

Bank #978118 2024-Q1 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.13% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2023:
↑ +7 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +32
  • Asset Quality
    ↓ 0
  • Reserves
    ↓ -5

The five pillars

Liquidity

StableQoQ -2
64
Sub-score

Liquidity is stable: brokered 5.1%, loans/deposits 96.5%, cash 1.1% of assets.

Cash / Assets
1.13%
Loans / Deposits
96.48%
Brokered %
5.06%

Watch Items

  • watchCash / Assets below 3% — Cash 1.13% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.60%
No watch items at this period.

Capitalization

StableQoQ +32
67
Sub-score

Capital position is stable: Tier 1 RBC 10.96%, CET1 10.96%, leverage 8.49%.

Tier 1 RBC
10.96%
CET1
10.96%
Leverage
8.49%
No watch items at this period.

Asset Quality

StrongQoQ 0
98
Sub-score

Asset quality is strong: Adjusted NPL 0.70%, Texas Ratio 5.6%, NCO YTD 0.12%.

Adjusted NPL
0.70%
Govt-guarantees stripped
Texas Ratio
5.6%
NCO YTD
0.12%
30-89 PD
0.28%
Band 0.3% / 3.0%
90+ PD
0.04%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -5
69
Sub-score

Reserves are stable: ALLL 0.96% of loans, coverage 139.2%, true coverage 137.8%.

ALLL / Loans
0.96%
Coverage
139.2%
True Loss Coverage
137.8%
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: 2026-05-14 14:32:57 UTC