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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2025-Q4QoQ -3

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 #403179 2025-Q4 Vital Signs Score: 78/100 — 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 100.6% (threshold 100%).

What changed this quarter

Compared to Q3 2025:
↓ -3 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -10

The five pillars

Liquidity

StableQoQ -2
67
Sub-score

Liquidity is stable: brokered 5.4%, loans/deposits 100.6%, cash 3.7% of assets.

Cash / Assets
3.74%
Loans / Deposits
100.58%
Brokered %
5.39%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 100.6% (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 -1
82
Sub-score

Capital position is strong: Tier 1 RBC 12.49%, CET1 12.49%, leverage 9.50%.

Tier 1 RBC
12.49%
CET1
12.49%
Leverage
9.50%
No watch items at this period.

Asset Quality

StrongQoQ -2
92
Sub-score

Asset quality is strong: Adjusted NPL 1.40%, Texas Ratio 10.5%, NCO YTD -0.08%.

Adjusted NPL
1.40%
Govt-guarantees stripped
Texas Ratio
10.5%
NCO YTD
-0.08%
30-89 PD
0.32%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -10
39
Sub-score

Reserves are weak: ALLL 1.04% of loans, coverage 75.1%, true coverage 62.6%.

ALLL / Loans
1.04%
Coverage
75.1%
True Loss Coverage
62.6%
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