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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2025-Q4QoQ +3

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 #3404373 2025-Q4 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 104.3% (threshold 100%).

What changed this quarter

Compared to Q3 2025:
↑ +3 ptscomposite
  • Liquidity
    ↑ +9
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +5

The five pillars

Liquidity

StableQoQ +9
70
Sub-score

Liquidity is stable: brokered 11.1%, loans/deposits 104.3%, cash 7.6% of assets.

Cash / Assets
7.60%
Loans / Deposits
104.30%
Brokered %
11.09%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 104.3% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 7.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
7.01%
No watch items at this period.

Capitalization

StableQoQ +1
71
Sub-score

Capital position is stable: Tier 1 RBC 11.23%, CET1 11.23%, leverage 10.14%.

Tier 1 RBC
11.23%
CET1
11.23%
Leverage
10.14%
No watch items at this period.

Asset Quality

StrongQoQ +1
97
Sub-score

Asset quality is strong: Adjusted NPL 0.75%, Texas Ratio 5.5%, NCO YTD 0.04%.

Adjusted NPL
0.75%
Govt-guarantees stripped
Texas Ratio
5.5%
NCO YTD
0.04%
30-89 PD
0.04%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +5
77
Sub-score

Reserves are stable: ALLL 1.13% of loans, coverage 152.4%, true coverage 152.4%.

ALLL / Loans
1.13%
Coverage
152.4%
True Loss Coverage
152.4%
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