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First Fed Bank

IDRSSD: 403179
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2025-Q2QoQ -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-Q2

Bank #403179 2025-Q2 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q1 2025:
↓ -2 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↓ -9
  • Asset Quality
    ↑ +2
  • Reserves
    ↓ -5

The five pillars

Liquidity

StableQoQ +2
68
Sub-score

Liquidity is stable: brokered 6.4%, loans/deposits 99.2%, cash 4.0% of assets.

Cash / Assets
4.03%
Loans / Deposits
99.22%
Brokered %
6.45%
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

StableQoQ -9
76
Sub-score

Capital position is stable: Tier 1 RBC 12.03%, CET1 12.03%, leverage 9.13%.

Tier 1 RBC
12.03%
CET1
12.03%
Leverage
9.13%
No watch items at this period.

Asset Quality

StrongQoQ +2
90
Sub-score

Asset quality is strong: Adjusted NPL 1.24%, Texas Ratio 9.4%, NCO YTD 0.46%.

Adjusted NPL
1.24%
Govt-guarantees stripped
Texas Ratio
9.4%
NCO YTD
0.46%
30-89 PD
0.31%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -5
42
Sub-score

Reserves are deteriorating: ALLL 1.10% of loans, coverage 89.8%, true coverage 56.6%.

ALLL / Loans
1.10%
Coverage
89.8%
True Loss Coverage
56.6%
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