Visbanking Logo
Skip to main content

First Credit Bank

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

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
91
/ 100
StrongAs of 2024-Q1QoQ +5

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

Quarterly Headline

2024-Q1

Bank #5069 2024-Q1 Vital Signs Score: 91/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 138.0% (threshold 100%).
  2. risk
    Brokered deposits above 30%
    Liquidity — Brokered 49.7% of deposits (threshold 30%).

What changed this quarter

Compared to Q4 2023:
↑ +5 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +12
  • Reserves
    ↑ +15

The five pillars

Liquidity

WatchQoQ -3
57
Sub-score

Liquidity is deteriorating: brokered 49.7%, loans/deposits 138.0%, cash 8.8% of assets.

Cash / Assets
8.76%
Loans / Deposits
138.02%
Brokered %
49.72%

Watch Items

  • riskBrokered deposits above 30% — Brokered 49.7% of deposits (threshold 30%).
  • riskLoans / Deposits above 100% — Loans/Deposits 138.0% (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 39.65%, CET1 39.65%, leverage 39.06%.

Tier 1 RBC
39.65%
CET1
39.65%
Leverage
39.06%
No watch items at this period.

Asset Quality

StrongQoQ +12
97
Sub-score

Asset quality is strong: Adjusted NPL 0.45%, Texas Ratio 0.9%, NCO YTD 0.39%.

Adjusted NPL
0.45%
Govt-guarantees stripped
Texas Ratio
0.9%
NCO YTD
0.39%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +15
100
Sub-score

Reserves are strong: ALLL 2.81% of loans, coverage 636.7%, true coverage 636.7%.

ALLL / Loans
2.81%
Coverage
636.7%
True Loss Coverage
636.7%
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 20:05:59 UTC