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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 — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2025-Q1QoQ 0

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

Quarterly Headline

2025-Q1

Bank #411174 2025-Q1 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 127.9% (threshold 100%).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 40.8% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q4 2024:
↑ 0 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +4
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ -4
76
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 127.9%, cash 8.2% of assets.

Cash / Assets
8.17%
Loans / Deposits
127.85%
Brokered %
0.00%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 127.9% (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 39.27%, CET1 39.27%, leverage 25.87%.

Tier 1 RBC
39.27%
CET1
39.27%
Leverage
25.87%
No watch items at this period.

Asset Quality

StrongQoQ +4
83
Sub-score

Asset quality is strong: Adjusted NPL 1.65%, Texas Ratio 5.4%, NCO YTD 0.00%.

Adjusted NPL
1.65%
Govt-guarantees stripped
Texas Ratio
5.4%
NCO YTD
0.00%
30-89 PD
1.46%
Band 0.3% / 3.0%
90+ PD
0.07%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +1
35
Sub-score

Reserves are weak: ALLL 1.23% of loans, coverage 75.4%, true coverage 40.8%.

ALLL / Loans
1.23%
Coverage
75.4%
True Loss Coverage
40.8%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 40.8% (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