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 — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
66
/ 100
StableAs of 2025-Q1QoQ -5

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

Quarterly Headline

2025-Q1

Bank #837149 2025-Q1 Vital Signs Score: 66/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.17%.

What changed this quarter

Compared to Q4 2024:
↓ -5 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +7
  • Asset Quality
    ↓ -12
  • Reserves
    ↓ -23

The five pillars

Liquidity

StableQoQ -1
70
Sub-score

Liquidity is stable: brokered 9.4%, loans/deposits 86.4%, cash 3.0% of assets.

Cash / Assets
3.03%
Loans / Deposits
86.45%
Brokered %
9.37%
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 +7
59
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.97%, CET1 10.97%, leverage 8.14%.

Tier 1 RBC
10.97%
CET1
10.97%
Leverage
8.14%
No watch items at this period.

Asset Quality

StableQoQ -12
74
Sub-score

Asset quality is stable: Adjusted NPL 1.32%, Texas Ratio 11.9%, NCO YTD 0.01%.

Adjusted NPL
1.32%
Govt-guarantees stripped
Texas Ratio
11.9%
NCO YTD
0.01%
30-89 PD
1.83%
Band 0.3% / 3.0%
90+ PD
1.17%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.17%.

Reserves

RiskQoQ -23
24
Sub-score

Reserves are weak: ALLL 0.76% of loans, coverage 58.0%, true coverage 58.0%.

ALLL / Loans
0.76%
Coverage
58.0%
True Loss Coverage
58.0%
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