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First Foundation Bank

IDRSSD: 3637685
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
82
/ 100
StrongAs of 2023-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

2023-Q4

Bank #3637685 2023-Q4 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. risk
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.29% of loans.
  2. watch
    Brokered deposits above 30%
    Liquidity — Brokered 40.1% of deposits (threshold 30%).

What changed this quarter

Compared to Q3 2023:
↓ -1 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↑ +6
  • Asset Quality
    — —
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ 0
67
Sub-score

Liquidity is stable: brokered 40.1%, loans/deposits 94.9%, cash 10.0% of assets.

Cash / Assets
9.97%
Loans / Deposits
94.89%
Brokered %
40.14%

Watch Items

  • watchBrokered deposits above 30% — Brokered 40.1% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 8.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
8.94%
No watch items at this period.

Capitalization

StableQoQ +6
73
Sub-score

Capital position is stable: Tier 1 RBC 11.62%, CET1 11.62%, leverage 8.34%.

Tier 1 RBC
11.62%
CET1
11.62%
Leverage
8.34%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.13%, Texas Ratio 1.2%, NCO YTD 0.02%.

Adjusted NPL
0.13%
Govt-guarantees stripped
Texas Ratio
1.2%
NCO YTD
0.02%
30-89 PD
0.29%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Stable
67
Sub-score

Reserves are stable: ALLL 0.29% of loans, coverage 215.3%, true coverage 138.6%.

ALLL / Loans
0.29%
Coverage
215.3%
True Loss Coverage
138.6%

Watch Items

  • riskALLL / Loans below 0.75% — ALLL 0.29% 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: 2026-05-15 11:16:56 UTC