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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-Q2

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

Synthesis

Vital Signs Score
61
/ 100
StableAs of 2025-Q2QoQ -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-Q2

Bank #837149 2025-Q2 Vital Signs Score: 61/100 — 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. watch
    ALLL / NPL below 50%
    Reserves — Coverage 36.5% (regulatory soft-warning level 50%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 36.5% (Adjusted NPL + Performing Mods denominator).
  3. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 2.10%.

What changed this quarter

Compared to Q1 2025:
↓ -5 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -12
  • Reserves
    ↓ -11

The five pillars

Liquidity

StableQoQ -1
69
Sub-score

Liquidity is stable: brokered 10.0%, loans/deposits 86.0%, cash 2.7% of assets.

Cash / Assets
2.67%
Loans / Deposits
86.03%
Brokered %
10.03%

Watch Items

  • infoCash / Assets below 3% — Cash 2.67% of assets (threshold 3%).

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 -2
57
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.75%, CET1 10.75%, leverage 8.17%.

Tier 1 RBC
10.75%
CET1
10.75%
Leverage
8.17%
No watch items at this period.

Asset Quality

StableQoQ -12
62
Sub-score

Asset quality is stable: Adjusted NPL 2.21%, Texas Ratio 20.1%, NCO YTD 0.01%.

Adjusted NPL
2.21%
Govt-guarantees stripped
Texas Ratio
20.1%
NCO YTD
0.01%
30-89 PD
1.10%
Band 0.3% / 3.0%
90+ PD
2.10%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.21% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 2.10%.

Reserves

RiskQoQ -11
13
Sub-score

Reserves are weak: ALLL 0.80% of loans, coverage 36.5%, true coverage 36.5%.

ALLL / Loans
0.80%
Coverage
36.5%
True Loss Coverage
36.5%

Watch Items

  • watchALLL / NPL below 50% — Coverage 36.5% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 36.5% (Adjusted NPL + Performing Mods denominator).

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