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First Federal Bank

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

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
67
/ 100
StableAs of 2024-Q3QoQ +2

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

Quarterly Headline

2024-Q3

Bank #384278 2024-Q3 Vital Signs Score: 67/100 — 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. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 17.9% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 19.4% (regulatory soft-warning level 50%).
  3. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 3.07%.

What changed this quarter

Compared to Q2 2024:
↑ +2 ptscomposite
  • Liquidity
    ↑ +7
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ -1
  • Reserves
    ↑ +2

The five pillars

Liquidity

StableQoQ +7
70
Sub-score

Liquidity is stable: brokered 23.9%, loans/deposits 39.4%, cash 3.6% of assets.

Cash / Assets
3.59%
Loans / Deposits
39.44%
Brokered %
23.91%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.9% of assets.

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

Capitalization

StrongQoQ +3
100
Sub-score

Capital position is strong: Tier 1 RBC 20.13%, CET1 20.13%, leverage 9.88%.

Tier 1 RBC
20.13%
CET1
20.13%
Leverage
9.88%
No watch items at this period.

Asset Quality

WatchQoQ -1
48
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.54%, Texas Ratio 10.5%, NCO YTD 0.01%.

Adjusted NPL
3.54%
Govt-guarantees stripped
Texas Ratio
10.5%
NCO YTD
0.01%
30-89 PD
1.80%
Band 0.3% / 3.0%
90+ PD
3.07%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.54% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 3.07%.

Reserves

RiskQoQ +2
6
Sub-score

Reserves are weak: ALLL 0.68% of loans, coverage 19.4%, true coverage 17.9%.

ALLL / Loans
0.68%
Coverage
19.4%
True Loss Coverage
17.9%

Watch Items

  • riskALLL / NPL below 50% — Coverage 19.4% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 17.9% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.68% 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