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First Federal Savings And Loan Association Of Greensburg

IDRSSD: 921879
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
86
/ 100
StrongAs of 2024-Q1QoQ -1

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

Quarterly Headline

2024-Q1

Bank #921879 2024-Q1 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 35.3% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q4 2023:
↓ -1 ptscomposite
  • Liquidity
    ↓ -11
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +3
  • Reserves
    ↑ +3

The five pillars

Liquidity

StrongQoQ -11
89
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 58.7%, cash 5.1% of assets.

Cash / Assets
5.13%
Loans / Deposits
58.69%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.84%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 21.93%, CET1 21.93%, leverage 11.14%.

Tier 1 RBC
21.93%
CET1
21.93%
Leverage
11.14%
No watch items at this period.

Asset Quality

StrongQoQ +3
87
Sub-score

Asset quality is strong: Adjusted NPL 1.66%, Texas Ratio 7.1%, NCO YTD 0.00%.

Adjusted NPL
1.66%
Govt-guarantees stripped
Texas Ratio
7.1%
NCO YTD
0.00%
30-89 PD
0.82%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +3
41
Sub-score

Reserves are deteriorating: ALLL 1.42% of loans, coverage 86.8%, true coverage 35.3%.

ALLL / Loans
1.42%
Coverage
86.8%
True Loss Coverage
35.3%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 35.3% (Adjusted NPL + Performing Mods denominator).

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 08:35:25 UTC