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First Fidelity Bank

IDRSSD: 80150
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
83
/ 100
StrongAs of 2024-Q2QoQ -6

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 #80150 2024-Q2 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.51% of loans.

What changed this quarter

Compared to Q1 2024:
↓ -6 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    ↓ -8
  • Asset Quality
    ↑ +1
  • Reserves
    ↓ -23

The five pillars

Liquidity

StrongQoQ -5
87
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 63.1%, cash 4.0% of assets.

Cash / Assets
4.00%
Loans / Deposits
63.13%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.31%
No watch items at this period.

Capitalization

StrongQoQ -8
81
Sub-score

Capital position is strong: Tier 1 RBC 12.81%, CET1 12.81%, leverage 9.06%.

Tier 1 RBC
12.81%
CET1
12.81%
Leverage
9.06%
No watch items at this period.

Asset Quality

StrongQoQ +1
93
Sub-score

Asset quality is strong: Adjusted NPL 0.52%, Texas Ratio 3.2%, NCO YTD -0.12%.

Adjusted NPL
0.52%
Govt-guarantees stripped
Texas Ratio
3.2%
NCO YTD
-0.12%
30-89 PD
0.71%
Band 0.3% / 3.0%
90+ PD
0.49%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -23
44
Sub-score

Reserves are deteriorating: ALLL 0.51% of loans, coverage 98.9%, true coverage 98.9%.

ALLL / Loans
0.51%
Coverage
98.9%
True Loss Coverage
98.9%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.51% 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: 2026-05-14 09:07:13 UTC