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First Federal Bank

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

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
67
/ 100
StableAs of 2024-Q4QoQ 0

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

Quarterly Headline

2024-Q4

Bank #384278 2024-Q4 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 18.1% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 19.5% (regulatory soft-warning level 50%).
  3. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 3.23%.

What changed this quarter

Compared to Q3 2024:
↑ 0 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↓ 0
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ 0
70
Sub-score

Liquidity is stable: brokered 22.0%, loans/deposits 37.4%, cash 3.1% of assets.

Cash / Assets
3.12%
Loans / Deposits
37.40%
Brokered %
22.01%
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
0.88%
No watch items at this period.

Capitalization

StrongQoQ 0
100
Sub-score

Capital position is strong: Tier 1 RBC 20.16%, CET1 20.16%, leverage 10.38%.

Tier 1 RBC
20.16%
CET1
20.16%
Leverage
10.38%
No watch items at this period.

Asset Quality

WatchQoQ 0
48
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.71%, Texas Ratio 10.7%, NCO YTD -0.04%.

Adjusted NPL
3.71%
Govt-guarantees stripped
Texas Ratio
10.7%
NCO YTD
-0.04%
30-89 PD
1.62%
Band 0.3% / 3.0%
90+ PD
3.23%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.71% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 3.23%.

Reserves

RiskQoQ +1
7
Sub-score

Reserves are weak: ALLL 0.72% of loans, coverage 19.5%, true coverage 18.1%.

ALLL / Loans
0.72%
Coverage
19.5%
True Loss Coverage
18.1%

Watch Items

  • riskALLL / NPL below 50% — Coverage 19.5% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 18.1% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.72% 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