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First Federal Bank A Fsb

IDRSSD: 814074
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2026-Q1QoQ -3

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

Quarterly Headline

2026-Q1

Bank #814074 2026-Q1 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (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 132.7% (threshold 100%).

What changed this quarter

Compared to Q4 2025:
↓ -3 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -16

The five pillars

Liquidity

StableQoQ -2
72
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 132.7%, cash 6.6% of assets.

Cash / Assets
6.58%
Loans / Deposits
132.65%
Brokered %
0.00%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 132.7% (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
0.37%
No watch items at this period.

Capitalization

StableQoQ +2
78
Sub-score

Capital position is stable: Tier 1 RBC 12.52%, CET1 12.52%, leverage 8.19%.

Tier 1 RBC
12.52%
CET1
12.52%
Leverage
8.19%
No watch items at this period.

Asset Quality

StrongQoQ -2
94
Sub-score

Asset quality is strong: Adjusted NPL 0.64%, Texas Ratio 6.3%, NCO YTD 0.00%.

Adjusted NPL
0.64%
Govt-guarantees stripped
Texas Ratio
6.3%
NCO YTD
0.00%
30-89 PD
0.87%
Band 0.3% / 3.0%
90+ PD
0.15%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -16
66
Sub-score

Reserves are stable: ALLL 0.92% of loans, coverage 145.1%, true coverage 94.9%.

ALLL / Loans
0.92%
Coverage
145.1%
True Loss Coverage
94.9%
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