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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-Q2

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

Synthesis

Vital Signs Score
67
/ 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 #207470 2025-Q2 Vital Signs Score: 67/100 — 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
    Net charge-offs elevated
    Asset Quality — NCO YTD 4.42% of loans.
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 27.9% (Adjusted NPL + Performing Mods denominator).
  3. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.49% of loans.

What changed this quarter

Compared to Q1 2025:
↓ -2 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    ↓ -6
  • Capitalization
    — —
  • Asset Quality
    ↑ +3
  • Reserves
    ↓ -13

The five pillars

Liquidity

StrongQoQ +1
99
Sub-score

Liquidity is strong: brokered 0.8%, loans/deposits 49.5%, cash 11.2% of assets.

Cash / Assets
11.17%
Loans / Deposits
49.52%
Brokered %
0.83%
No watch items at this period.

Securities

RiskQoQ -6
31
Sub-score

Securities profile is weak: securities 40.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
40.76%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 31.99%, CET1 31.99%, leverage 13.20%.

Tier 1 RBC
31.99%
CET1
31.99%
Leverage
13.20%
No watch items at this period.

Asset Quality

StableQoQ +3
70
Sub-score

Asset quality is stable: Adjusted NPL 1.02%, Texas Ratio 3.1%, NCO YTD 4.42%.

Adjusted NPL
1.02%
Govt-guarantees stripped
Texas Ratio
3.1%
NCO YTD
4.42%
30-89 PD
1.66%
Band 0.3% / 3.0%
90+ PD
0.09%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 4.42% of loans.

Reserves

RiskQoQ -13
0
Sub-score

Reserves are weak: ALLL 0.49% of loans, coverage 48.4%, true coverage 27.9%.

ALLL / Loans
0.49%
Coverage
48.4%
True Loss Coverage
27.9%

Watch Items

  • infoALLL / NPL below 50% — Coverage 48.4% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 27.9% (Adjusted NPL + Performing Mods denominator).
  • watchALLL / Loans below 0.75% — ALLL 0.49% of loans.

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