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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2025-Q4QoQ -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-Q4

Bank #318974 2025-Q4 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 109.6% (threshold 100%).
  2. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.24% of loans.

What changed this quarter

Compared to Q3 2025:
↓ -3 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -10
  • Reserves
    ↓ -3

The five pillars

Liquidity

StableQoQ +1
67
Sub-score

Liquidity is stable: brokered 8.6%, loans/deposits 109.6%, cash 6.6% of assets.

Cash / Assets
6.60%
Loans / Deposits
109.63%
Brokered %
8.65%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 109.6% (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 +1
70
Sub-score

Capital position is stable: Tier 1 RBC 11.94%, CET1 11.94%, leverage 8.14%.

Tier 1 RBC
11.94%
CET1
11.94%
Leverage
8.14%
No watch items at this period.

Asset Quality

StrongQoQ -10
90
Sub-score

Asset quality is strong: Adjusted NPL 0.45%, Texas Ratio 4.1%, NCO YTD 1.24%.

Adjusted NPL
0.45%
Govt-guarantees stripped
Texas Ratio
4.1%
NCO YTD
1.24%
30-89 PD
0.09%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.24% of loans.

Reserves

StableQoQ -3
74
Sub-score

Reserves are stable: ALLL 0.82% of loans, coverage 183.8%, true coverage 150.3%.

ALLL / Loans
0.82%
Coverage
183.8%
True Loss Coverage
150.3%
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