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First Command Bank

IDRSSD: 2568063
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
80
/ 100
StableAs of 2023-Q4QoQ -1

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 #2568063 2023-Q4 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Asset Quality (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q3 2023:
↓ -1 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    ↓ -9
  • Capitalization
    ↓ -6
  • Asset Quality
    ↑ +13
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -4
96
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 44.6%, cash 8.0% of assets.

Cash / Assets
8.01%
Loans / Deposits
44.61%
Brokered %
0.00%
No watch items at this period.

Securities

RiskQoQ -9
8
Sub-score

Securities profile is weak: securities 47.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
47.47%
No watch items at this period.

Capitalization

StrongQoQ -6
92
Sub-score

Capital position is strong: Tier 1 RBC 15.75%, CET1 15.75%, leverage 8.48%.

Tier 1 RBC
15.75%
CET1
15.75%
Leverage
8.48%
No watch items at this period.

Asset Quality

StrongQoQ +13
98
Sub-score

Asset quality is strong: Adjusted NPL 0.05%, Texas Ratio 0.3%, NCO YTD 0.38%.

Adjusted NPL
0.05%
Govt-guarantees stripped
Texas Ratio
0.3%
NCO YTD
0.38%
30-89 PD
0.16%
Band 0.3% / 3.0%
90+ PD
0.05%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Stable
79
Sub-score

Reserves are stable: ALLL 0.87% of loans, coverage 1618.5%, true coverage 725.2%.

ALLL / Loans
0.87%
Coverage
1618.5%
True Loss Coverage
725.2%
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 11:56:44 UTC