Visbanking Logo
Skip to main content

First Federal Bank A Fsb

IDRSSD: 814074
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
83
/ 100
StrongAs of 2025-Q2QoQ +1

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 #814074 2025-Q2 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 124.8% (threshold 100%).

What changed this quarter

Compared to Q1 2025:
↑ +1 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↑ +4
  • Reserves
    ↑ +10

The five pillars

Liquidity

StableQoQ -2
74
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 124.8%, cash 7.3% of assets.

Cash / Assets
7.35%
Loans / Deposits
124.78%
Brokered %
0.00%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 124.8% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.38%
No watch items at this period.

Capitalization

StableQoQ -4
68
Sub-score

Capital position is stable: Tier 1 RBC 11.81%, CET1 11.81%, leverage 7.69%.

Tier 1 RBC
11.81%
CET1
11.81%
Leverage
7.69%
No watch items at this period.

Asset Quality

StrongQoQ +4
99
Sub-score

Asset quality is strong: Adjusted NPL 0.48%, Texas Ratio 5.0%, NCO YTD -0.01%.

Adjusted NPL
0.48%
Govt-guarantees stripped
Texas Ratio
5.0%
NCO YTD
-0.01%
30-89 PD
0.24%
Band 0.3% / 3.0%
90+ PD
0.18%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +10
78
Sub-score

Reserves are stable: ALLL 0.91% of loans, coverage 190.1%, true coverage 130.3%.

ALLL / Loans
0.91%
Coverage
190.1%
True Loss Coverage
130.3%
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: 2026-05-13 09:47:41 UTC