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First Federal Bank

IDRSSD: 384278
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
68
/ 100
StableAs of 2023-Q4QoQ -19

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

Quarterly Headline

2023-Q4

Bank #384278 2023-Q4 Vital Signs Score: 68/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    ALLL / NPL below 50%
    Reserves — Coverage 26.1% (regulatory soft-warning level 50%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 26.1% (Adjusted NPL + Performing Mods denominator).
  3. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 2.44%.

What changed this quarter

Compared to Q3 2023:
↓ -19 ptscomposite
  • Liquidity
    ↑ +9
  • Securities
    — —
  • Capitalization
    ↑ +6
  • Asset Quality
    ↓ -42
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +9
68
Sub-score

Liquidity is stable: brokered 24.0%, loans/deposits 36.0%, cash 2.8% of assets.

Cash / Assets
2.79%
Loans / Deposits
36.03%
Brokered %
23.96%

Watch Items

  • infoCash / Assets below 3% — Cash 2.79% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.85%
No watch items at this period.

Capitalization

StrongQoQ +6
97
Sub-score

Capital position is strong: Tier 1 RBC 18.47%, CET1 18.47%, leverage 9.42%.

Tier 1 RBC
18.47%
CET1
18.47%
Leverage
9.42%
No watch items at this period.

Asset Quality

WatchQoQ -42
58
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.75%, Texas Ratio 8.7%, NCO YTD 0.04%.

Adjusted NPL
2.75%
Govt-guarantees stripped
Texas Ratio
8.7%
NCO YTD
0.04%
30-89 PD
1.30%
Band 0.3% / 3.0%
90+ PD
2.44%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.75% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 2.44%.

Reserves

Risk
7
Sub-score

Reserves are weak: ALLL 0.71% of loans, coverage 26.1%, true coverage 26.1%.

ALLL / Loans
0.71%
Coverage
26.1%
True Loss Coverage
26.1%

Watch Items

  • watchALLL / NPL below 50% — Coverage 26.1% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 26.1% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.71% 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 15:12:08 UTC