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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-Q4

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

Synthesis

Vital Signs Score
67
/ 100
StableAs of 2025-Q4QoQ -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-Q4

Bank #837149 2025-Q4 Vital Signs Score: 67/100 — 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

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

What changed this quarter

Compared to Q3 2025:
↓ -5 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -8
  • Reserves
    ↓ -14

The five pillars

Liquidity

StableQoQ 0
74
Sub-score

Liquidity is stable: brokered 10.0%, loans/deposits 88.5%, cash 5.4% of assets.

Cash / Assets
5.39%
Loans / Deposits
88.52%
Brokered %
10.00%
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 -2
54
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.54%, CET1 10.54%, leverage 8.02%.

Tier 1 RBC
10.54%
CET1
10.54%
Leverage
8.02%
No watch items at this period.

Asset Quality

StableQoQ -8
78
Sub-score

Asset quality is stable: Adjusted NPL 1.23%, Texas Ratio 11.5%, NCO YTD 0.02%.

Adjusted NPL
1.23%
Govt-guarantees stripped
Texas Ratio
11.5%
NCO YTD
0.02%
30-89 PD
1.72%
Band 0.3% / 3.0%
90+ PD
0.85%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -14
30
Sub-score

Reserves are weak: ALLL 0.79% of loans, coverage 65.1%, true coverage 65.1%.

ALLL / Loans
0.79%
Coverage
65.1%
True Loss Coverage
65.1%
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