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First Foundation Bank

IDRSSD: 3637685
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2024-Q1QoQ -3

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

Quarterly Headline

2024-Q1

Bank #3637685 2024-Q1 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

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 36.4% of deposits (threshold 30%).

What changed this quarter

Compared to Q4 2023:
↓ -3 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    — —
  • Reserves
    ↓ -19

The five pillars

Liquidity

StableQoQ 0
68
Sub-score

Liquidity is stable: brokered 36.4%, loans/deposits 94.4%, cash 11.7% of assets.

Cash / Assets
11.71%
Loans / Deposits
94.36%
Brokered %
36.42%

Watch Items

  • watchBrokered deposits above 30% — Brokered 36.4% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.73%
No watch items at this period.

Capitalization

StableQoQ +1
74
Sub-score

Capital position is stable: Tier 1 RBC 11.84%, CET1 11.84%, leverage 8.11%.

Tier 1 RBC
11.84%
CET1
11.84%
Leverage
8.11%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.18%, Texas Ratio 1.6%, NCO YTD 0.01%.

Adjusted NPL
0.18%
Govt-guarantees stripped
Texas Ratio
1.6%
NCO YTD
0.01%
30-89 PD
0.18%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -19
48
Sub-score

Reserves are deteriorating: ALLL 0.29% of loans, coverage 164.5%, true coverage 77.2%.

ALLL / Loans
0.29%
Coverage
164.5%
True Loss Coverage
77.2%

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