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First Foundation Bank

IDRSSD: 3637685
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
91
/ 100
StrongAs of 2026-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

2026-Q1

Bank #3637685 2026-Q1 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. info
    Brokered deposits above 30%
    Liquidity — Brokered 32.8% of deposits (threshold 30%).
  2. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.15% of loans.

What changed this quarter

Compared to Q4 2025:
↓ -3 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↓ -9
  • Reserves
    ↓ -5

The five pillars

Liquidity

StableQoQ -2
79
Sub-score

Liquidity is stable: brokered 32.8%, loans/deposits 73.0%, cash 15.4% of assets.

Cash / Assets
15.37%
Loans / Deposits
72.96%
Brokered %
32.79%

Watch Items

  • infoBrokered deposits above 30% — Brokered 32.8% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.29%
No watch items at this period.

Capitalization

StrongQoQ +4
96
Sub-score

Capital position is strong: Tier 1 RBC 15.27%, CET1 15.27%, leverage 9.10%.

Tier 1 RBC
15.27%
CET1
15.27%
Leverage
9.10%
No watch items at this period.

Asset Quality

StrongQoQ -9
90
Sub-score

Asset quality is strong: Adjusted NPL 0.54%, Texas Ratio 3.1%, NCO YTD 1.15%.

Adjusted NPL
0.54%
Govt-guarantees stripped
Texas Ratio
3.1%
NCO YTD
1.15%
30-89 PD
0.33%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.15% of loans.

Reserves

StrongQoQ -5
89
Sub-score

Reserves are strong: ALLL 1.18% of loans, coverage 219.2%, true coverage 142.6%.

ALLL / Loans
1.18%
Coverage
219.2%
True Loss Coverage
142.6%
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: 2026-05-15 11:16:56 UTC