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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-Q4

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

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2025-Q4QoQ +7

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 #2596646 2025-Q4 Vital Signs Score: 78/100 — 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

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

What changed this quarter

Compared to Q3 2025:
↑ +7 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↑ +4
  • Reserves
    ↑ +37

The five pillars

Liquidity

StableQoQ +1
68
Sub-score

Liquidity is stable: brokered 7.4%, loans/deposits 99.5%, cash 4.3% of assets.

Cash / Assets
4.27%
Loans / Deposits
99.45%
Brokered %
7.36%
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
56
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.41%, CET1 10.41%, leverage 8.85%.

Tier 1 RBC
10.41%
CET1
10.41%
Leverage
8.85%
No watch items at this period.

Asset Quality

StrongQoQ +4
96
Sub-score

Asset quality is strong: Adjusted NPL 0.33%, Texas Ratio 2.8%, NCO YTD 0.40%.

Adjusted NPL
0.33%
Govt-guarantees stripped
Texas Ratio
2.8%
NCO YTD
0.40%
30-89 PD
0.56%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +37
80
Sub-score

Reserves are stable: ALLL 0.89% of loans, coverage 273.5%, true coverage 273.5%.

ALLL / Loans
0.89%
Coverage
273.5%
True Loss Coverage
273.5%
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