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First Enterprise Bank

IDRSSD: 315656
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
55
/ 100
WatchAs of 2025-Q3QoQ -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-Q3

Bank #315656 2025-Q3 Vital Signs Score: 55/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 9.16% (govt-guarantees stripped).
  2. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  3. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 7.32% of loans.

What changed this quarter

Compared to Q2 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -18
  • Reserves
    ↑ +20

The five pillars

Liquidity

StrongQoQ 0
84
Sub-score

Liquidity is strong: brokered 4.3%, loans/deposits 97.3%, cash 10.8% of assets.

Cash / Assets
10.81%
Loans / Deposits
97.30%
Brokered %
4.27%
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

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 10.36%.

Tier 1 RBC
—
CET1
0.00%
Leverage
10.36%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

RiskQoQ -18
23
Sub-score

Asset quality is weak: Adjusted NPL 9.16%, Texas Ratio 63.4%, NCO YTD 7.32%.

Adjusted NPL
9.16%
Govt-guarantees stripped
Texas Ratio
63.4%
NCO YTD
7.32%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
2.38%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 9.16% (govt-guarantees stripped).
  • infoTexas Ratio above 50% — Texas Ratio 63.4% (industry watch band 50% / risk band 100%).
  • watch90+ days past due elevated — 90+ PD 2.38%.
  • riskNet charge-offs elevated — NCO YTD 7.32% of loans.

Reserves

RiskQoQ +20
33
Sub-score

Reserves are weak: ALLL 2.29% of loans, coverage 25.6%, true coverage 25.6%.

ALLL / Loans
2.29%
Coverage
25.6%
True Loss Coverage
25.6%

Watch Items

  • watchALLL / NPL below 50% — Coverage 25.6% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 25.6% (Adjusted NPL + Performing Mods denominator).

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 16:19:04 UTC