Visbanking Logo
Skip to main content

First Financial Bank National Association

IDRSSD: 693345
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
91
/ 100
StrongAs of 2023-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

2023-Q4

Bank #693345 2023-Q4 Vital Signs Score: 91/100 — 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

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.57% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2023:
↑ 0 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↑ +3
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +2
78
Sub-score

Liquidity is stable: brokered 0.3%, loans/deposits 75.8%, cash 1.6% of assets.

Cash / Assets
1.57%
Loans / Deposits
75.79%
Brokered %
0.26%

Watch Items

  • watchCash / Assets below 3% — Cash 1.57% 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

StrongQoQ +2
99
Sub-score

Capital position is strong: Tier 1 RBC 13.84%, CET1 13.84%, leverage 10.53%.

Tier 1 RBC
13.84%
CET1
13.84%
Leverage
10.53%
No watch items at this period.

Asset Quality

StrongQoQ +3
94
Sub-score

Asset quality is strong: Adjusted NPL 0.79%, Texas Ratio 4.4%, NCO YTD 0.22%.

Adjusted NPL
0.79%
Govt-guarantees stripped
Texas Ratio
4.4%
NCO YTD
0.22%
30-89 PD
0.64%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
83
Sub-score

Reserves are strong: ALLL 1.26% of loans, coverage 161.2%, true coverage 154.9%.

ALLL / Loans
1.26%
Coverage
161.2%
True Loss Coverage
154.9%
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 16:48:40 UTC