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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-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
65
/ 100
StableAs of 2025-Q3QoQ -5

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

Quarterly Headline

2025-Q3

Bank #422433 2025-Q3 Vital Signs Score: 65/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (watch).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.21% (govt-guarantees stripped).
  2. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 3.60% of loans.

What changed this quarter

Compared to Q2 2025:
↓ -5 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -11
  • Asset Quality
    ↓ -20
  • Reserves
    ↑ +17

The five pillars

Liquidity

StrongQoQ -1
86
Sub-score

Liquidity is strong: brokered 21.4%, loans/deposits 65.3%, cash 19.9% of assets.

Cash / Assets
19.87%
Loans / Deposits
65.33%
Brokered %
21.41%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 8.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
8.50%
No watch items at this period.

Capitalization

WatchQoQ -11
57
Sub-score

Capital position is deteriorating: Tier 1 RBC 11.09%, CET1 11.09%, leverage 6.92%.

Tier 1 RBC
11.09%
CET1
11.09%
Leverage
6.92%
No watch items at this period.

Asset Quality

WatchQoQ -20
42
Sub-score

Asset quality is deteriorating: Adjusted NPL 5.21%, Texas Ratio 32.4%, NCO YTD 3.60%.

Adjusted NPL
5.21%
Govt-guarantees stripped
Texas Ratio
32.4%
NCO YTD
3.60%
30-89 PD
0.96%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.21% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 3.60% of loans.

Reserves

WatchQoQ +17
56
Sub-score

Reserves are deteriorating: ALLL 3.76% of loans, coverage 75.0%, true coverage 65.0%.

ALLL / Loans
3.76%
Coverage
75.0%
True Loss Coverage
65.0%
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: 2026-05-14 16:59:08 UTC