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First Federal Savings And Loan Association

IDRSSD: 831875
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
58
/ 100
WatchAs of 2025-Q4QoQ 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-Q4

Bank #831875 2025-Q4 Vital Signs Score: 58/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 130.3% (threshold 100%).
  2. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 35.1% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q3 2025:
↓ 0 ptscomposite
  • Liquidity
    ↓ -10
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +6
  • Reserves
    ↑ +2

The five pillars

Liquidity

WatchQoQ -10
51
Sub-score

Liquidity is deteriorating: brokered 20.6%, loans/deposits 130.3%, cash 3.2% of assets.

Cash / Assets
3.19%
Loans / Deposits
130.33%
Brokered %
20.59%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 130.3% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.07%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 21.44%.

Tier 1 RBC
—
CET1
0.00%
Leverage
21.44%

Watch Items

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

Asset Quality

StableQoQ +6
75
Sub-score

Asset quality is stable: Adjusted NPL 1.86%, Texas Ratio 7.8%, NCO YTD 0.00%.

Adjusted NPL
1.86%
Govt-guarantees stripped
Texas Ratio
7.8%
NCO YTD
0.00%
30-89 PD
2.14%
Band 0.3% / 3.0%
90+ PD
0.34%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +2
7
Sub-score

Reserves are weak: ALLL 0.65% of loans, coverage 35.1%, true coverage 35.1%.

ALLL / Loans
0.65%
Coverage
35.1%
True Loss Coverage
35.1%

Watch Items

  • watchALLL / NPL below 50% — Coverage 35.1% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 35.1% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.65% 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 09:49:54 UTC