Visbanking Logo
Skip to main content

First Federal Savings And Loan Association Of Van Wert

IDRSSD: 820879
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
68
/ 100
StableAs of 2025-Q2QoQ -7

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 #820879 2025-Q2 Vital Signs Score: 68/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. risk
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.20% of loans.
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 34.4% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q1 2025:
↓ -7 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ 0
  • Reserves
    ↓ -44

The five pillars

Liquidity

StrongQoQ -4
85
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 77.7%, cash 5.2% of assets.

Cash / Assets
5.18%
Loans / Deposits
77.66%
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

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 14.41%.

Tier 1 RBC
—
CET1
0.00%
Leverage
14.41%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StrongQoQ 0
94
Sub-score

Asset quality is strong: Adjusted NPL 0.59%, Texas Ratio 2.7%, NCO YTD 0.00%.

Adjusted NPL
0.59%
Govt-guarantees stripped
Texas Ratio
2.7%
NCO YTD
0.00%
30-89 PD
0.83%
Band 0.3% / 3.0%
90+ PD
0.26%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -44
2
Sub-score

Reserves are weak: ALLL 0.20% of loans, coverage 34.4%, true coverage 34.4%.

ALLL / Loans
0.20%
Coverage
34.4%
True Loss Coverage
34.4%

Watch Items

  • watchALLL / NPL below 50% — Coverage 34.4% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 34.4% (Adjusted NPL + Performing Mods denominator).
  • riskALLL / Loans below 0.75% — ALLL 0.20% 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: 2026-05-13 06:54:35 UTC