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First Federal Bank Of Ohio

IDRSSD: 207470
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
69
/ 100
StableAs of 2025-Q1QoQ -13

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

Quarterly Headline

2025-Q1

Bank #207470 2025-Q1 Vital Signs Score: 69/100 — overall stable. Strongest pillar: Capitalization (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 23.0% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 28.7% (regulatory soft-warning level 50%).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.08% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2024:
↓ -13 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    ↓ 0
  • Capitalization
    — —
  • Asset Quality
    ↓ -16
  • Reserves
    ↓ -63

The five pillars

Liquidity

StrongQoQ +1
99
Sub-score

Liquidity is strong: brokered 1.6%, loans/deposits 48.4%, cash 13.9% of assets.

Cash / Assets
13.92%
Loans / Deposits
48.37%
Brokered %
1.65%
No watch items at this period.

Securities

RiskQoQ 0
36
Sub-score

Securities profile is weak: securities 39.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
39.08%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 32.09%, CET1 32.09%, leverage 13.31%.

Tier 1 RBC
32.09%
CET1
32.09%
Leverage
13.31%
No watch items at this period.

Asset Quality

StableQoQ -16
67
Sub-score

Asset quality is stable: Adjusted NPL 3.08%, Texas Ratio 8.9%, NCO YTD 0.94%.

Adjusted NPL
3.08%
Govt-guarantees stripped
Texas Ratio
8.9%
NCO YTD
0.94%
30-89 PD
0.92%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.08% (govt-guarantees stripped).

Reserves

RiskQoQ -63
13
Sub-score

Reserves are weak: ALLL 0.88% of loans, coverage 28.7%, true coverage 23.0%.

ALLL / Loans
0.88%
Coverage
28.7%
True Loss Coverage
23.0%

Watch Items

  • watchALLL / NPL below 50% — Coverage 28.7% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 23.0% (Adjusted NPL + Performing Mods denominator).

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 04:31:06 UTC