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First Credit Bank

IDRSSD: 5069
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
79
/ 100
StableAs of 2025-Q4QoQ +2

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 #5069 2025-Q4 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 146.0% (threshold 100%).
  2. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.65% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↑ +2 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +14
  • Reserves
    ↓ -11

The five pillars

Liquidity

StableQoQ 0
60
Sub-score

Liquidity is stable: brokered 29.8%, loans/deposits 146.0%, cash 13.7% of assets.

Cash / Assets
13.66%
Loans / Deposits
145.96%
Brokered %
29.81%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 146.0% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.39%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 49.07%, CET1 49.07%, leverage 45.71%.

Tier 1 RBC
49.07%
CET1
49.07%
Leverage
45.71%
No watch items at this period.

Asset Quality

StableQoQ +14
74
Sub-score

Asset quality is stable: Adjusted NPL 3.65%, Texas Ratio 5.7%, NCO YTD 0.00%.

Adjusted NPL
3.65%
Govt-guarantees stripped
Texas Ratio
5.7%
NCO YTD
0.00%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.65% (govt-guarantees stripped).

Reserves

WatchQoQ -11
60
Sub-score

Reserves are deteriorating: ALLL 2.63% of loans, coverage 73.9%, true coverage 73.9%.

ALLL / Loans
2.63%
Coverage
73.9%
True Loss Coverage
73.9%
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