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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-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StableAs of 2024-Q3QoQ -3

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

Quarterly Headline

2024-Q3

Bank #3404373 2024-Q3 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 112.4% (threshold 100%).

What changed this quarter

Compared to Q2 2024:
↓ -3 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↓ -7
  • Reserves
    ↑ +3

The five pillars

Liquidity

StableQoQ +1
62
Sub-score

Liquidity is stable: brokered 10.6%, loans/deposits 112.4%, cash 5.1% of assets.

Cash / Assets
5.06%
Loans / Deposits
112.38%
Brokered %
10.65%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 112.4% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.02%
No watch items at this period.

Capitalization

StrongQoQ -5
87
Sub-score

Capital position is strong: Tier 1 RBC 12.73%, CET1 12.73%, leverage 11.44%.

Tier 1 RBC
12.73%
CET1
12.73%
Leverage
11.44%
No watch items at this period.

Asset Quality

StrongQoQ -7
82
Sub-score

Asset quality is strong: Adjusted NPL 1.16%, Texas Ratio 7.9%, NCO YTD 0.03%.

Adjusted NPL
1.16%
Govt-guarantees stripped
Texas Ratio
7.9%
NCO YTD
0.03%
30-89 PD
2.31%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +3
68
Sub-score

Reserves are stable: ALLL 1.18% of loans, coverage 102.7%, true coverage 102.7%.

ALLL / Loans
1.18%
Coverage
102.7%
True Loss Coverage
102.7%
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