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First Federal Savings And Loan Association

IDRSSD: 90177
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
85
/ 100
StrongAs of 2023-Q4QoQ -9

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 #90177 2023-Q4 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 134.8% (threshold 100%).
  2. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.49% of loans.
  3. info
    Cash / Assets below 3%
    Liquidity — Cash 2.13% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2023:
↓ -9 ptscomposite
  • Liquidity
    ↓ -18
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    — —
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -18
61
Sub-score

Liquidity is stable: brokered 1.8%, loans/deposits 134.8%, cash 2.1% of assets.

Cash / Assets
2.13%
Loans / Deposits
134.80%
Brokered %
1.79%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 134.8% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.13% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.74%
No watch items at this period.

Capitalization

StrongQoQ +3
98
Sub-score

Capital position is strong: Tier 1 RBC 19.74%, CET1 19.74%, leverage 9.62%.

Tier 1 RBC
19.74%
CET1
19.74%
Leverage
9.62%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.28%, Texas Ratio 2.3%, NCO YTD 0.02%.

Adjusted NPL
0.28%
Govt-guarantees stripped
Texas Ratio
2.3%
NCO YTD
0.02%
30-89 PD
0.26%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Watch
52
Sub-score

Reserves are deteriorating: ALLL 0.49% of loans, coverage 178.2%, true coverage 78.8%.

ALLL / Loans
0.49%
Coverage
178.2%
True Loss Coverage
78.8%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.49% 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 09:52:42 UTC