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First Commerce Bank

IDRSSD: 3404373
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
81
/ 100
StrongAs of 2024-Q1QoQ 0

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 #3404373 2024-Q1 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 109.8% (threshold 100%).

What changed this quarter

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

The five pillars

Liquidity

StableQoQ 0
64
Sub-score

Liquidity is stable: brokered 10.5%, loans/deposits 109.8%, cash 5.7% of assets.

Cash / Assets
5.70%
Loans / Deposits
109.76%
Brokered %
10.55%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 109.8% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.23%
No watch items at this period.

Capitalization

StrongQoQ 0
98
Sub-score

Capital position is strong: Tier 1 RBC 13.58%, CET1 13.58%, leverage 12.07%.

Tier 1 RBC
13.58%
CET1
13.58%
Leverage
12.07%
No watch items at this period.

Asset Quality

StrongQoQ +2
89
Sub-score

Asset quality is strong: Adjusted NPL 1.55%, Texas Ratio 10.2%, NCO YTD -0.01%.

Adjusted NPL
1.55%
Govt-guarantees stripped
Texas Ratio
10.2%
NCO YTD
-0.01%
30-89 PD
0.65%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ 0
46
Sub-score

Reserves are deteriorating: ALLL 1.18% of loans, coverage 76.8%, true coverage 66.2%.

ALLL / Loans
1.18%
Coverage
76.8%
True Loss Coverage
66.2%
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: 2026-05-14 06:17:44 UTC