Visbanking Logo
Skip to main content

First Financial Bank

IDRSSD: 292234
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
86
/ 100
StrongAs of 2026-Q1QoQ +2

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2026-Q1

Bank #292234 2026-Q1 Vital Signs Score: 86/100 — 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. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.40%.

What changed this quarter

Compared to Q4 2025:
↑ +2 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +3
  • Reserves
    ↑ +8

The five pillars

Liquidity

StrongQoQ -1
97
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 54.6%, cash 8.8% of assets.

Cash / Assets
8.75%
Loans / Deposits
54.59%
Brokered %
0.00%
No watch items at this period.

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

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 15.24%, CET1 15.24%, leverage 10.34%.

Tier 1 RBC
15.24%
CET1
15.24%
Leverage
10.34%
No watch items at this period.

Asset Quality

StrongQoQ +3
81
Sub-score

Asset quality is strong: Adjusted NPL 1.40%, Texas Ratio 6.8%, NCO YTD 0.02%.

Adjusted NPL
1.40%
Govt-guarantees stripped
Texas Ratio
6.8%
NCO YTD
0.02%
30-89 PD
0.11%
Band 0.3% / 3.0%
90+ PD
1.40%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.40%.

Reserves

WatchQoQ +8
44
Sub-score

Reserves are deteriorating: ALLL 1.03% of loans, coverage 74.6%, true coverage 74.2%.

ALLL / Loans
1.03%
Coverage
74.6%
True Loss Coverage
74.2%
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: 2026-05-12 21:25:48 UTC