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First Community Bank

IDRSSD: 2596646
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2024-Q3QoQ +3

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

Quarterly Headline

2024-Q3

Bank #2596646 2024-Q3 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 102.1% (threshold 100%).

What changed this quarter

Compared to Q2 2024:
↑ +3 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ +4
  • Reserves
    ↑ +16

The five pillars

Liquidity

StableQoQ 0
67
Sub-score

Liquidity is stable: brokered 2.2%, loans/deposits 102.1%, cash 3.1% of assets.

Cash / Assets
3.14%
Loans / Deposits
102.09%
Brokered %
2.17%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 102.1% (threshold 100%).

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 -1
57
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.38%, CET1 10.38%, leverage 8.96%.

Tier 1 RBC
10.38%
CET1
10.38%
Leverage
8.96%
No watch items at this period.

Asset Quality

StrongQoQ +4
96
Sub-score

Asset quality is strong: Adjusted NPL 0.79%, Texas Ratio 6.7%, NCO YTD 0.05%.

Adjusted NPL
0.79%
Govt-guarantees stripped
Texas Ratio
6.7%
NCO YTD
0.05%
30-89 PD
0.41%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +16
62
Sub-score

Reserves are stable: ALLL 0.92% of loans, coverage 117.7%, true coverage 117.7%.

ALLL / Loans
0.92%
Coverage
117.7%
True Loss Coverage
117.7%
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: 2026-05-13 12:00:28 UTC