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First Federal Savings And Loan Association Of Central Illinois Sb

IDRSSD: 399973
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
88
/ 100
StrongAs of 2023-Q4QoQ -7

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 #399973 2023-Q4 Vital Signs Score: 88/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

  1. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.38% of loans.

What changed this quarter

Compared to Q3 2023:
↓ -7 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↓ -21
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -5
80
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 85.5%, cash 4.7% of assets.

Cash / Assets
4.66%
Loans / Deposits
85.55%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StrongQoQ 0
97
Sub-score

Capital position is strong: Tier 1 RBC 13.42%, CET1 13.42%, leverage 10.63%.

Tier 1 RBC
13.42%
CET1
13.42%
Leverage
10.63%
No watch items at this period.

Asset Quality

StableQoQ -21
79
Sub-score

Asset quality is stable: Adjusted NPL 0.58%, Texas Ratio 3.7%, NCO YTD 1.38%.

Adjusted NPL
0.58%
Govt-guarantees stripped
Texas Ratio
3.7%
NCO YTD
1.38%
30-89 PD
1.78%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.38% of loans.

Reserves

Strong
88
Sub-score

Reserves are strong: ALLL 1.13% of loans, coverage 199.0%, true coverage 199.0%.

ALLL / Loans
1.13%
Coverage
199.0%
True Loss Coverage
199.0%
No watch items at this period.

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 21:44:02 UTC