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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 — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2024-Q2QoQ -2

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

Quarterly Headline

2024-Q2

Bank #90177 2024-Q2 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 137.8% (threshold 100%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.83% of assets (threshold 3%).
  3. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.47% of loans.

What changed this quarter

Compared to Q1 2024:
↓ -2 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    — —
  • Reserves
    ↓ -11

The five pillars

Liquidity

WatchQoQ -3
60
Sub-score

Liquidity is deteriorating: brokered 3.4%, loans/deposits 137.8%, cash 1.8% of assets.

Cash / Assets
1.83%
Loans / Deposits
137.84%
Brokered %
3.45%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 137.8% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.83% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.52%
No watch items at this period.

Capitalization

StrongQoQ 0
98
Sub-score

Capital position is strong: Tier 1 RBC 19.22%, CET1 19.22%, leverage 9.42%.

Tier 1 RBC
19.22%
CET1
19.22%
Leverage
9.42%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.27%, Texas Ratio 2.3%, NCO YTD -0.01%.

Adjusted NPL
0.27%
Govt-guarantees stripped
Texas Ratio
2.3%
NCO YTD
-0.01%
30-89 PD
0.25%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -11
52
Sub-score

Reserves are deteriorating: ALLL 0.47% of loans, coverage 176.7%, true coverage 79.4%.

ALLL / Loans
0.47%
Coverage
176.7%
True Loss Coverage
79.4%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.47% 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