Visbanking Logo
Skip to main content

First Command Bank

IDRSSD: 2568063
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
88
/ 100
StrongAs of 2025-Q4QoQ 0

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 #2568063 2025-Q4 Vital Signs Score: 88/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Securities (watch).

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

Top 3 Watch Items

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

What changed this quarter

Compared to Q3 2025:
↑ 0 ptscomposite
  • Liquidity
    — —
  • Securities
    ↑ +4
  • Capitalization
    ↓ -4
  • Asset Quality
    ↓ -1
  • Reserves
    ↑ +4

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 50.9%, cash 15.0% of assets.

Cash / Assets
14.98%
Loans / Deposits
50.93%
Brokered %
0.00%
No watch items at this period.

Securities

WatchQoQ +4
44
Sub-score

Securities profile is deteriorating: securities 36.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
36.69%
No watch items at this period.

Capitalization

StrongQoQ -4
96
Sub-score

Capital position is strong: Tier 1 RBC 15.91%, CET1 15.91%, leverage 9.13%.

Tier 1 RBC
15.91%
CET1
15.91%
Leverage
9.13%
No watch items at this period.

Asset Quality

StrongQoQ -1
94
Sub-score

Asset quality is strong: Adjusted NPL 0.40%, Texas Ratio 2.0%, NCO YTD 0.69%.

Adjusted NPL
0.40%
Govt-guarantees stripped
Texas Ratio
2.0%
NCO YTD
0.69%
30-89 PD
0.39%
Band 0.3% / 3.0%
90+ PD
0.09%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +4
89
Sub-score

Reserves are strong: ALLL 1.16% of loans, coverage 291.9%, true coverage 232.5%.

ALLL / Loans
1.16%
Coverage
291.9%
True Loss Coverage
232.5%
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 11:56:44 UTC