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First Commerce Bank

IDRSSD: 3404373
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2025-Q2QoQ +6

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

Quarterly Headline

2025-Q2

Bank #3404373 2025-Q2 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 108.1% (threshold 100%).

What changed this quarter

Compared to Q1 2025:
↑ +6 ptscomposite
  • Liquidity
    ↓ -6
  • Securities
    — —
  • Capitalization
    ↓ -10
  • Asset Quality
    ↑ +21
  • Reserves
    ↑ +27

The five pillars

Liquidity

WatchQoQ -6
59
Sub-score

Liquidity is deteriorating: brokered 13.6%, loans/deposits 108.1%, cash 4.0% of assets.

Cash / Assets
4.00%
Loans / Deposits
108.12%
Brokered %
13.60%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 108.1% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 9.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
9.09%
No watch items at this period.

Capitalization

StableQoQ -10
71
Sub-score

Capital position is stable: Tier 1 RBC 11.28%, CET1 11.28%, leverage 10.43%.

Tier 1 RBC
11.28%
CET1
11.28%
Leverage
10.43%
No watch items at this period.

Asset Quality

StrongQoQ +21
92
Sub-score

Asset quality is strong: Adjusted NPL 1.32%, Texas Ratio 9.7%, NCO YTD 0.00%.

Adjusted NPL
1.32%
Govt-guarantees stripped
Texas Ratio
9.7%
NCO YTD
0.00%
30-89 PD
0.35%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +27
54
Sub-score

Reserves are deteriorating: ALLL 1.11% of loans, coverage 85.0%, true coverage 85.0%.

ALLL / Loans
1.11%
Coverage
85.0%
True Loss Coverage
85.0%
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