Visbanking Logo
Skip to main content

First Federal Savings And Loan Association Of Ravenswood

IDRSSD: 441470
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StableAs of 2026-Q1QoQ -9

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

Quarterly Headline

2026-Q1

Bank #441470 2026-Q1 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.57% of loans.

What changed this quarter

Compared to Q4 2025:
↓ -9 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -17
  • Reserves
    ↓ -34

The five pillars

Liquidity

StrongQoQ +1
94
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 81.4%, cash 25.5% of assets.

Cash / Assets
25.51%
Loans / Deposits
81.37%
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
0.01%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 22.89%, CET1 22.89%, leverage 10.12%.

Tier 1 RBC
22.89%
CET1
22.89%
Leverage
10.12%
No watch items at this period.

Asset Quality

StableQoQ -17
75
Sub-score

Asset quality is stable: Adjusted NPL 1.10%, Texas Ratio 7.6%, NCO YTD 0.00%.

Adjusted NPL
1.10%
Govt-guarantees stripped
Texas Ratio
7.6%
NCO YTD
0.00%
30-89 PD
2.79%
Band 0.3% / 3.0%
90+ PD
0.59%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -34
13
Sub-score

Reserves are weak: ALLL 0.57% of loans, coverage 52.1%, true coverage 52.1%.

ALLL / Loans
0.57%
Coverage
52.1%
True Loss Coverage
52.1%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.57% of loans.

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 05:54:25 UTC