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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-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2024-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

2024-Q4

Bank #257578 2024-Q4 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 35.1% (Adjusted NPL + Performing Mods denominator).
  2. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 106.3% (threshold 100%).

What changed this quarter

Compared to Q3 2024:
↑ 0 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↑ +2
  • Reserves
    ↓ -4

The five pillars

Liquidity

WatchQoQ 0
59
Sub-score

Liquidity is deteriorating: brokered 15.6%, loans/deposits 106.3%, cash 4.6% of assets.

Cash / Assets
4.57%
Loans / Deposits
106.32%
Brokered %
15.62%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 106.3% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.60%
No watch items at this period.

Capitalization

StrongQoQ +2
90
Sub-score

Capital position is strong: Tier 1 RBC 13.63%, CET1 13.63%, leverage 8.84%.

Tier 1 RBC
13.63%
CET1
13.63%
Leverage
8.84%
No watch items at this period.

Asset Quality

StrongQoQ +2
91
Sub-score

Asset quality is strong: Adjusted NPL 1.10%, Texas Ratio 9.5%, NCO YTD 0.00%.

Adjusted NPL
1.10%
Govt-guarantees stripped
Texas Ratio
9.5%
NCO YTD
0.00%
30-89 PD
0.95%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -4
30
Sub-score

Reserves are weak: ALLL 1.02% of loans, coverage 94.1%, true coverage 35.1%.

ALLL / Loans
1.02%
Coverage
94.1%
True Loss Coverage
35.1%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 35.1% (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