Visbanking Logo
Skip to main content

First Federal Savings Bank

IDRSSD: 613679
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
77
/ 100
StableAs of 2024-Q2QoQ -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-Q2

Bank #613679 2024-Q2 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 101.4% (threshold 100%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.44% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2024:
↓ -1 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -1

The five pillars

Liquidity

WatchQoQ +1
53
Sub-score

Liquidity is deteriorating: brokered 21.8%, loans/deposits 101.4%, cash 2.4% of assets.

Cash / Assets
2.44%
Loans / Deposits
101.42%
Brokered %
21.76%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 101.4% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.44% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StableQoQ -4
66
Sub-score

Capital position is stable: Tier 1 RBC 11.44%, CET1 11.44%, leverage 8.17%.

Tier 1 RBC
11.44%
CET1
11.44%
Leverage
8.17%
No watch items at this period.

Asset Quality

StrongQoQ -2
88
Sub-score

Asset quality is strong: Adjusted NPL 0.38%, Texas Ratio 3.2%, NCO YTD 0.00%.

Adjusted NPL
0.38%
Govt-guarantees stripped
Texas Ratio
3.2%
NCO YTD
0.00%
30-89 PD
2.21%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -1
86
Sub-score

Reserves are strong: ALLL 1.08% of loans, coverage 284.4%, true coverage 181.0%.

ALLL / Loans
1.08%
Coverage
284.4%
True Loss Coverage
181.0%
No watch items at this period.

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 06:51:22 UTC