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First Federal Savings And Loan Association

IDRSSD: 411174
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
73
/ 100
StableAs of 2023-Q4QoQ -8

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

Quarterly Headline

2023-Q4

Bank #411174 2023-Q4 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 133.0% (threshold 100%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 27.2% (Adjusted NPL + Performing Mods denominator).
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 42.3% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q3 2023:
↓ -8 ptscomposite
  • Liquidity
    ↓ -12
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +18
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -12
71
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 133.0%, cash 5.8% of assets.

Cash / Assets
5.77%
Loans / Deposits
133.05%
Brokered %
0.00%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 133.0% (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

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 40.78%, CET1 40.78%, leverage 26.84%.

Tier 1 RBC
40.78%
CET1
40.78%
Leverage
26.84%
No watch items at this period.

Asset Quality

StableQoQ +18
65
Sub-score

Asset quality is stable: Adjusted NPL 2.20%, Texas Ratio 7.3%, NCO YTD 0.00%.

Adjusted NPL
2.20%
Govt-guarantees stripped
Texas Ratio
7.3%
NCO YTD
0.00%
30-89 PD
3.08%
Band 0.3% / 3.0%
90+ PD
0.51%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.20% (govt-guarantees stripped).

Reserves

Risk
14
Sub-score

Reserves are weak: ALLL 0.92% of loans, coverage 42.3%, true coverage 27.2%.

ALLL / Loans
0.92%
Coverage
42.3%
True Loss Coverage
27.2%

Watch Items

  • infoALLL / NPL below 50% — Coverage 42.3% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 27.2% (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 09:57:03 UTC