Visbanking Logo
Skip to main content

First Community Bank Of The Heartland Inc

IDRSSD: 837149
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
73
/ 100
StableAs of 2024-Q1QoQ -2

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 #837149 2024-Q1 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

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

What changed this quarter

Compared to Q4 2023:
↓ -2 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↓ -8
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -6

The five pillars

Liquidity

StableQoQ +3
69
Sub-score

Liquidity is stable: brokered 10.2%, loans/deposits 91.9%, cash 4.2% of assets.

Cash / Assets
4.22%
Loans / Deposits
91.93%
Brokered %
10.23%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

WatchQoQ -8
57
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.03%, CET1 10.03%, leverage 8.17%.

Tier 1 RBC
10.03%
CET1
10.03%
Leverage
8.17%
No watch items at this period.

Asset Quality

StrongQoQ -1
88
Sub-score

Asset quality is strong: Adjusted NPL 0.91%, Texas Ratio 8.2%, NCO YTD 0.03%.

Adjusted NPL
0.91%
Govt-guarantees stripped
Texas Ratio
8.2%
NCO YTD
0.03%
30-89 PD
0.48%
Band 0.3% / 3.0%
90+ PD
0.88%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -6
53
Sub-score

Reserves are deteriorating: ALLL 0.85% of loans, coverage 95.0%, true coverage 95.0%.

ALLL / Loans
0.85%
Coverage
95.0%
True Loss Coverage
95.0%
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 19:46:31 UTC