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First Credit Bank

IDRSSD: 5069
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
86
/ 100
StrongAs of 2023-Q4QoQ -8

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

Quarterly Headline

2023-Q4

Bank #5069 2023-Q4 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 132.6% (threshold 100%).
  2. risk
    Brokered deposits above 30%
    Liquidity — Brokered 50.4% of deposits (threshold 30%).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.26% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2023:
↓ -8 ptscomposite
  • Liquidity
    ↓ -13
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -15
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -13
60
Sub-score

Liquidity is stable: brokered 50.4%, loans/deposits 132.6%, cash 11.0% of assets.

Cash / Assets
11.00%
Loans / Deposits
132.55%
Brokered %
50.37%

Watch Items

  • riskBrokered deposits above 30% — Brokered 50.4% of deposits (threshold 30%).
  • riskLoans / Deposits above 100% — Loans/Deposits 132.6% (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

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 38.96%, CET1 38.96%, leverage 38.83%.

Tier 1 RBC
38.96%
CET1
38.96%
Leverage
38.83%
No watch items at this period.

Asset Quality

StrongQoQ -15
85
Sub-score

Asset quality is strong: Adjusted NPL 2.26%, Texas Ratio 4.5%, NCO YTD 0.00%.

Adjusted NPL
2.26%
Govt-guarantees stripped
Texas Ratio
4.5%
NCO YTD
0.00%
30-89 PD
0.27%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.26% (govt-guarantees stripped).

Reserves

Strong
85
Sub-score

Reserves are strong: ALLL 2.87% of loans, coverage 130.8%, true coverage 130.8%.

ALLL / Loans
2.87%
Coverage
130.8%
True Loss Coverage
130.8%
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 20:05:59 UTC