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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-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
61
/ 100
StableAs of 2024-Q4QoQ -7

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

Quarterly Headline

2024-Q4

Bank #422433 2024-Q4 Vital Signs Score: 61/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 28.5% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 29.0% (regulatory soft-warning level 50%).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.51% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2024:
↓ -7 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -27
  • Reserves
    ↓ -6

The five pillars

Liquidity

StrongQoQ +1
82
Sub-score

Liquidity is strong: brokered 22.1%, loans/deposits 76.4%, cash 14.2% of assets.

Cash / Assets
14.21%
Loans / Deposits
76.43%
Brokered %
22.08%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 11.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
11.83%
No watch items at this period.

Capitalization

WatchQoQ +2
59
Sub-score

Capital position is deteriorating: Tier 1 RBC 11.00%, CET1 11.00%, leverage 7.80%.

Tier 1 RBC
11.00%
CET1
11.00%
Leverage
7.80%
No watch items at this period.

Asset Quality

WatchQoQ -27
45
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.51%, Texas Ratio 34.7%, NCO YTD 0.69%.

Adjusted NPL
4.51%
Govt-guarantees stripped
Texas Ratio
34.7%
NCO YTD
0.69%
30-89 PD
2.11%
Band 0.3% / 3.0%
90+ PD
0.43%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.51% (govt-guarantees stripped).

Reserves

RiskQoQ -6
26
Sub-score

Reserves are weak: ALLL 1.29% of loans, coverage 29.0%, true coverage 28.5%.

ALLL / Loans
1.29%
Coverage
29.0%
True Loss Coverage
28.5%

Watch Items

  • watchALLL / NPL below 50% — Coverage 29.0% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 28.5% (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