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First Fed Bank

IDRSSD: 403179
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
77
/ 100
StableAs of 2024-Q1QoQ -7

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 #403179 2024-Q1 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 100.9% (threshold 100%).

What changed this quarter

Compared to Q4 2023:
↓ -7 ptscomposite
  • Liquidity
    ↓ -6
  • Securities
    — —
  • Capitalization
    ↓ -6
  • Asset Quality
    ↓ -6
  • Reserves
    ↓ -19

The five pillars

Liquidity

StableQoQ -6
62
Sub-score

Liquidity is stable: brokered 11.5%, loans/deposits 100.9%, cash 3.5% of assets.

Cash / Assets
3.48%
Loans / Deposits
100.93%
Brokered %
11.48%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 100.9% (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

StrongQoQ -6
90
Sub-score

Capital position is strong: Tier 1 RBC 12.56%, CET1 12.56%, leverage 9.74%.

Tier 1 RBC
12.56%
CET1
12.56%
Leverage
9.74%
No watch items at this period.

Asset Quality

StrongQoQ -6
85
Sub-score

Asset quality is strong: Adjusted NPL 1.66%, Texas Ratio 12.2%, NCO YTD 0.19%.

Adjusted NPL
1.66%
Govt-guarantees stripped
Texas Ratio
12.2%
NCO YTD
0.19%
30-89 PD
0.31%
Band 0.3% / 3.0%
90+ PD
0.50%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -19
37
Sub-score

Reserves are weak: ALLL 1.05% of loans, coverage 64.0%, true coverage 61.5%.

ALLL / Loans
1.05%
Coverage
64.0%
True Loss Coverage
61.5%
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 04:18:14 UTC