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First Federal Savings And Loan Association Of Lakewood

IDRSSD: 318974
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
81
/ 100
StrongAs of 2025-Q2QoQ +3

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 #318974 2025-Q2 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 115.8% (threshold 100%).

What changed this quarter

Compared to Q1 2025:
↑ +3 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↑ +3
  • Reserves
    ↑ +21

The five pillars

Liquidity

StableQoQ -1
64
Sub-score

Liquidity is stable: brokered 8.6%, loans/deposits 115.8%, cash 5.2% of assets.

Cash / Assets
5.23%
Loans / Deposits
115.77%
Brokered %
8.55%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 115.8% (threshold 100%).

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

StableQoQ -2
66
Sub-score

Capital position is stable: Tier 1 RBC 11.62%, CET1 11.62%, leverage 8.02%.

Tier 1 RBC
11.62%
CET1
11.62%
Leverage
8.02%
No watch items at this period.

Asset Quality

StrongQoQ +3
100
Sub-score

Asset quality is strong: Adjusted NPL 0.40%, Texas Ratio 3.8%, NCO YTD 0.03%.

Adjusted NPL
0.40%
Govt-guarantees stripped
Texas Ratio
3.8%
NCO YTD
0.03%
30-89 PD
0.15%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +21
77
Sub-score

Reserves are stable: ALLL 0.82% of loans, coverage 206.8%, true coverage 180.8%.

ALLL / Loans
0.82%
Coverage
206.8%
True Loss Coverage
180.8%
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: 2026-05-15 05:34:52 UTC