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First Federal Savings Bank

IDRSSD: 257578
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2024-Q1QoQ -1

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

Quarterly Headline

2024-Q1

Bank #257578 2024-Q1 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 39.6% (Adjusted NPL + Performing Mods denominator).
  2. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 103.5% (threshold 100%).

What changed this quarter

Compared to Q4 2023:
↓ -1 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↓ 0
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ -2
64
Sub-score

Liquidity is stable: brokered 12.9%, loans/deposits 103.5%, cash 5.1% of assets.

Cash / Assets
5.14%
Loans / Deposits
103.54%
Brokered %
12.86%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 103.5% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.22%
No watch items at this period.

Capitalization

StrongQoQ -3
90
Sub-score

Capital position is strong: Tier 1 RBC 13.47%, CET1 13.47%, leverage 8.71%.

Tier 1 RBC
13.47%
CET1
13.47%
Leverage
8.71%
No watch items at this period.

Asset Quality

StrongQoQ 0
91
Sub-score

Asset quality is strong: Adjusted NPL 0.96%, Texas Ratio 8.3%, NCO YTD 0.02%.

Adjusted NPL
0.96%
Govt-guarantees stripped
Texas Ratio
8.3%
NCO YTD
0.02%
30-89 PD
1.03%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +1
39
Sub-score

Reserves are weak: ALLL 1.09% of loans, coverage 115.4%, true coverage 39.6%.

ALLL / Loans
1.09%
Coverage
115.4%
True Loss Coverage
39.6%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 39.6% (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 09:59:14 UTC