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First Guaranty Bank

IDRSSD: 422433
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
68
/ 100
StableAs of 2024-Q3QoQ +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-Q3

Bank #422433 2024-Q3 Vital Signs Score: 68/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 48.3% (Adjusted NPL + Performing Mods denominator).
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.41% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2024:
↑ +3 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↑ +6
  • Reserves
    ↑ +6

The five pillars

Liquidity

StrongQoQ +1
81
Sub-score

Liquidity is strong: brokered 19.4%, loans/deposits 79.7%, cash 9.3% of assets.

Cash / Assets
9.26%
Loans / Deposits
79.65%
Brokered %
19.41%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 14.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
14.71%
No watch items at this period.

Capitalization

WatchQoQ +2
57
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.63%, CET1 10.63%, leverage 8.29%.

Tier 1 RBC
10.63%
CET1
10.63%
Leverage
8.29%
No watch items at this period.

Asset Quality

StableQoQ +6
71
Sub-score

Asset quality is stable: Adjusted NPL 2.41%, Texas Ratio 19.3%, NCO YTD 0.34%.

Adjusted NPL
2.41%
Govt-guarantees stripped
Texas Ratio
19.3%
NCO YTD
0.34%
30-89 PD
1.68%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.41% (govt-guarantees stripped).

Reserves

RiskQoQ +6
32
Sub-score

Reserves are weak: ALLL 1.20% of loans, coverage 50.5%, true coverage 48.3%.

ALLL / Loans
1.20%
Coverage
50.5%
True Loss Coverage
48.3%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 48.3% (Adjusted NPL + Performing Mods denominator).

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: 2026-05-14 16:59:08 UTC