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First Credit Bank

IDRSSD: 5069
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
80
/ 100
StableAs of 2024-Q3QoQ -12

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 #5069 2024-Q3 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 128.6% (threshold 100%).
  2. watch
    Brokered deposits above 30%
    Liquidity — Brokered 42.7% of deposits (threshold 30%).
  3. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 2.49%.

What changed this quarter

Compared to Q2 2024:
↓ -12 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -37
  • Reserves
    ↓ -21

The five pillars

Liquidity

Stable
60
Sub-score

Liquidity is stable: brokered 42.7%, loans/deposits 128.6%, cash 19.3% of assets.

Cash / Assets
19.31%
Loans / Deposits
128.60%
Brokered %
42.74%

Watch Items

  • watchBrokered deposits above 30% — Brokered 42.7% of deposits (threshold 30%).
  • riskLoans / Deposits above 100% — Loans/Deposits 128.6% (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 47.11%, CET1 47.11%, leverage 42.61%.

Tier 1 RBC
47.11%
CET1
47.11%
Leverage
42.61%
No watch items at this period.

Asset Quality

StableQoQ -37
62
Sub-score

Asset quality is stable: Adjusted NPL 2.99%, Texas Ratio 4.8%, NCO YTD 0.00%.

Adjusted NPL
2.99%
Govt-guarantees stripped
Texas Ratio
4.8%
NCO YTD
0.00%
30-89 PD
0.15%
Band 0.3% / 3.0%
90+ PD
2.49%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.99% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 2.49%.

Reserves

StableQoQ -21
79
Sub-score

Reserves are stable: ALLL 3.10% of loans, coverage 107.1%, true coverage 107.1%.

ALLL / Loans
3.10%
Coverage
107.1%
True Loss Coverage
107.1%
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