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First Federal Bank

IDRSSD: 384278
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
68
/ 100
StableAs of 2025-Q2QoQ +1

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 #384278 2025-Q2 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. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 22.3% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 22.8% (regulatory soft-warning level 50%).
  3. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 2.59%.

What changed this quarter

Compared to Q1 2025:
↑ +1 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +5
  • Reserves
    ↓ -2

The five pillars

Liquidity

StableQoQ -2
66
Sub-score

Liquidity is stable: brokered 22.9%, loans/deposits 42.4%, cash 1.6% of assets.

Cash / Assets
1.61%
Loans / Deposits
42.39%
Brokered %
22.86%

Watch Items

  • watchCash / Assets below 3% — Cash 1.61% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.23%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 20.38%, CET1 20.38%, leverage 10.69%.

Tier 1 RBC
20.38%
CET1
20.38%
Leverage
10.69%
No watch items at this period.

Asset Quality

WatchQoQ +5
55
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.96%, Texas Ratio 8.6%, NCO YTD 0.05%.

Adjusted NPL
2.96%
Govt-guarantees stripped
Texas Ratio
8.6%
NCO YTD
0.05%
30-89 PD
1.47%
Band 0.3% / 3.0%
90+ PD
2.59%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.96% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 2.59%.

Reserves

RiskQoQ -2
6
Sub-score

Reserves are weak: ALLL 0.67% of loans, coverage 22.8%, true coverage 22.3%.

ALLL / Loans
0.67%
Coverage
22.8%
True Loss Coverage
22.3%

Watch Items

  • riskALLL / NPL below 50% — Coverage 22.8% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 22.3% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.67% 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