Liquidity
StableQoQ -1
62
Sub-score
Liquidity is stable: brokered 17.9%, loans/deposits 92.1%, cash 3.0% of assets.
- Cash / Assets
- 3.03%
- Loans / Deposits
- 92.13%
- Brokered %
- 17.85%
No watch items at this period.
First Federal Savings Bank
IDRSSD: 613679
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2025-Q4
Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
84
/ 100
StrongAs of 2025-Q4QoQ +1
Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.
Quarterly Headline
2025-Q4
Bank #613679 2025-Q4 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).
Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Strong
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q3 2025:
↑ +1 ptscomposite
- Liquidity↓ -1
- Securities— —
- Capitalization↑ +3
- Asset Quality↓ -10
- Reserves↑ +18
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 0.0% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 0.00%
SVB watch metric
No watch items at this period.
Capitalization
StrongQoQ +3
86
Sub-score
Capital position is strong: Tier 1 RBC 13.01%, CET1 13.01%, leverage 8.87%.
- Tier 1 RBC
- 13.01%
- CET1
- 13.01%
- Leverage
- 8.87%
No watch items at this period.
Asset Quality
StrongQoQ -10
88
Sub-score
Asset quality is strong: Adjusted NPL 0.22%, Texas Ratio 1.7%, NCO YTD -0.07%.
- Adjusted NPL
- 0.22%
- Texas Ratio
- 1.7%
- NCO YTD
- -0.07%
- 30-89 PD
- 2.29%
- 90+ PD
- 0.00%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StrongQoQ +18
86
Sub-score
Reserves are strong: ALLL 1.09% of loans, coverage 491.6%, true coverage 185.6%.
- ALLL / Loans
- 1.09%
- Coverage
- 491.6%
- True Loss Coverage
- 185.6%
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.tsfor 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