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First Exchange Bank

IDRSSD: 170332
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2024-Q4QoQ 0

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

Quarterly Headline

2024-Q4

Bank #170332 2024-Q4 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.07% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2024:
↓ 0 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -5

The five pillars

Liquidity

StrongQoQ +1
83
Sub-score

Liquidity is strong: brokered 8.5%, loans/deposits 87.4%, cash 9.0% of assets.

Cash / Assets
8.96%
Loans / Deposits
87.43%
Brokered %
8.45%
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

StrongQoQ +2
85
Sub-score

Capital position is strong: Tier 1 RBC 12.99%, CET1 12.99%, leverage 8.90%.

Tier 1 RBC
12.99%
CET1
12.99%
Leverage
8.90%
No watch items at this period.

Asset Quality

StrongQoQ -1
82
Sub-score

Asset quality is strong: Adjusted NPL 2.07%, Texas Ratio 16.3%, NCO YTD 0.09%.

Adjusted NPL
2.07%
Govt-guarantees stripped
Texas Ratio
16.3%
NCO YTD
0.09%
30-89 PD
0.46%
Band 0.3% / 3.0%
90+ PD
0.33%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.07% (govt-guarantees stripped).

Reserves

RiskQoQ -5
39
Sub-score

Reserves are weak: ALLL 1.26% of loans, coverage 61.6%, true coverage 52.8%.

ALLL / Loans
1.26%
Coverage
61.6%
True Loss Coverage
52.8%
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: 2026-05-14 14:34:47 UTC