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First Guaranty Bank

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

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
65
/ 100
StableAs of 2025-Q1QoQ +4

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

Quarterly Headline

2025-Q1

Bank #422433 2025-Q1 Vital Signs Score: 65/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.42% (govt-guarantees stripped).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 28.3% (Adjusted NPL + Performing Mods denominator).
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 32.2% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q4 2024:
↑ +4 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↑ +5
  • Asset Quality
    ↑ +3
  • Reserves
    ↑ +7

The five pillars

Liquidity

StrongQoQ +2
84
Sub-score

Liquidity is strong: brokered 21.5%, loans/deposits 73.9%, cash 16.2% of assets.

Cash / Assets
16.15%
Loans / Deposits
73.92%
Brokered %
21.51%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 9.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
9.70%
No watch items at this period.

Capitalization

StableQoQ +5
64
Sub-score

Capital position is stable: Tier 1 RBC 11.49%, CET1 11.49%, leverage 7.70%.

Tier 1 RBC
11.49%
CET1
11.49%
Leverage
7.70%
No watch items at this period.

Asset Quality

WatchQoQ +3
48
Sub-score

Asset quality is deteriorating: Adjusted NPL 5.42%, Texas Ratio 38.5%, NCO YTD 1.02%.

Adjusted NPL
5.42%
Govt-guarantees stripped
Texas Ratio
38.5%
NCO YTD
1.02%
30-89 PD
1.11%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.42% (govt-guarantees stripped).
  • infoNet charge-offs elevated — NCO YTD 1.02% of loans.

Reserves

RiskQoQ +7
33
Sub-score

Reserves are weak: ALLL 1.71% of loans, coverage 32.2%, true coverage 28.3%.

ALLL / Loans
1.71%
Coverage
32.2%
True Loss Coverage
28.3%

Watch Items

  • watchALLL / NPL below 50% — Coverage 32.2% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 28.3% (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