Visbanking Logo
Skip to main content

First Federal Community Bank National Association

IDRSSD: 540775
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. No anomalies triggered this quarter.

Summary

RSSD 540775 held $937.6M in total assets as of 2026-03-31 (+5.3% quarter-over-quarter). Total loans stood at $736.0M (+4.2% QoQ) and total deposits at $824.1M (+4.9% QoQ).

Overall position is adequate — the composite Health Score is 57/100 (Adequate). Tier 1 / RWA stands at 12.38%, in the below median of peers. Asset quality (NPL ratio) sits in the above median of peers.

No Quarterly Anomaly Alerts were triggered this quarter — the metric grid did not breach any of the Cliff Drop, Peer Outlier, or Threshold Crossing rules.

Headline KPIs

Health Score
57/100
Adequate
Active Alerts
0
No anomalies
Total Assets
$937.6M
+5.3% QoQ
Total Loans
$736.0M
+4.2% QoQ
Total Deposits
$824.1M
+4.9% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

No Quarterly Anomaly Alerts this quarter. The metric grid did not breach any of the Cliff Drop, Peer Outlier, or Threshold Crossing rules.

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
12.38%
25th pctile · n=330↑ better
-5 bp QoQ
CET1 / RWA
12.38%
51th pctile · n=500↑ better
-5 bp QoQ
Total RBC / RWA
13.45%
24th pctile · n=330↑ better
-5 bp QoQ
Tier 1 Leverage Ratio
12.38%
51th pctile · n=500↑ better
-5 bp QoQ

Liquidity

Cash / Assets
9.76%
70th pctile · n=500↑ better
+135 bp QoQ
Loans / Deposits
89.30%
67th pctile · n=498↓ better
-60 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
0.14%
30th pctile · n=500↓ better
-3 bp QoQ
NPA / Assets
0.11%
30th pctile · n=500↓ better
-2 bp QoQ
Texas Ratio (regulatory)
1.13%
31th pctile · n=500↓ better
-20 bp QoQ
Net Charge-Offs / Avg Loans
0.00%
37th pctile · n=500↓ better
ALLL Coverage of NPL
689.74%
76th pctile · n=500↑ better
+10805 bp QoQ

Earnings

Net Interest Margin
3.95%
60th pctile · n=500↑ better
-16 bp QoQ
Return on Assets
1.76%
79th pctile · n=500↑ better
-5 bp QoQ
Return on Equity
19.67%
85th pctile · n=500↑ better
-62 bp QoQ
Efficiency Ratio
44.89%
10th pctile · n=500↓ better
-19 bp QoQ
Pre-tax NOI / Avg Assets
2.15%
84th pctile · n=500↑ better
-7 bp QoQ

Funding

Brokered / Deposits
0.00%
46th pctile · n=498↓ better
-0 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
2.93%
64th pctile · n=500↓ better
+46 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
6.77%
21th pctile · n=500↑ better
-36 bp QoQ
AFS Securities / Assets
6.45%
25th pctile · n=500↑ better
-34 bp QoQ
HTM Securities / Assets
0.32%
68th pctile · n=500↑ better
-2 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-13 08:25:31 UTC