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First Community Bank

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

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2025-Q3QoQ -8

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

Quarterly Headline

2025-Q3

Bank #2596646 2025-Q3 Vital Signs Score: 71/100 — 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 Q2 2025:
↓ -8 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -6
  • Reserves
    ↓ -35

The five pillars

Liquidity

StableQoQ -4
67
Sub-score

Liquidity is stable: brokered 6.8%, loans/deposits 99.8%, cash 3.9% of assets.

Cash / Assets
3.93%
Loans / Deposits
99.83%
Brokered %
6.76%
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 10.24%, CET1 10.24%, leverage 8.80%.

Tier 1 RBC
10.24%
CET1
10.24%
Leverage
8.80%
No watch items at this period.

Asset Quality

StrongQoQ -6
92
Sub-score

Asset quality is strong: Adjusted NPL 1.13%, Texas Ratio 9.8%, NCO YTD 0.33%.

Adjusted NPL
1.13%
Govt-guarantees stripped
Texas Ratio
9.8%
NCO YTD
0.33%
30-89 PD
0.37%
Band 0.3% / 3.0%
90+ PD
0.09%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -35
42
Sub-score

Reserves are deteriorating: ALLL 0.88% of loans, coverage 78.6%, true coverage 78.6%.

ALLL / Loans
0.88%
Coverage
78.6%
True Loss Coverage
78.6%
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