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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
69
/ 100
StableAs of 2025-Q4QoQ +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-Q4

Bank #422433 2025-Q4 Vital Signs Score: 69/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 8.75% of loans.
  2. info
    Brokered deposits above 30%
    Liquidity — Brokered 34.0% of deposits (threshold 30%).
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 46.1% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2025:
↑ +4 ptscomposite
  • Liquidity
    ↓ -6
  • Securities
    — —
  • Capitalization
    ↑ +12
  • Asset Quality
    ↑ +13
  • Reserves
    ↓ -11

The five pillars

Liquidity

StrongQoQ -6
80
Sub-score

Liquidity is strong: brokered 34.0%, loans/deposits 55.8%, cash 20.7% of assets.

Cash / Assets
20.74%
Loans / Deposits
55.79%
Brokered %
34.02%

Watch Items

  • infoBrokered deposits above 30% — Brokered 34.0% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 10.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
10.33%
No watch items at this period.

Capitalization

StableQoQ +12
69
Sub-score

Capital position is stable: Tier 1 RBC 12.24%, CET1 12.24%, leverage 6.90%.

Tier 1 RBC
12.24%
CET1
12.24%
Leverage
6.90%
No watch items at this period.

Asset Quality

WatchQoQ +13
55
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.98%, Texas Ratio 19.4%, NCO YTD 8.75%.

Adjusted NPL
2.98%
Govt-guarantees stripped
Texas Ratio
19.4%
NCO YTD
8.75%
30-89 PD
1.31%
Band 0.3% / 3.0%
90+ PD
0.04%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.98% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 8.75% of loans.

Reserves

WatchQoQ -11
45
Sub-score

Reserves are deteriorating: ALLL 1.97% of loans, coverage 67.5%, true coverage 46.1%.

ALLL / Loans
1.97%
Coverage
67.5%
True Loss Coverage
46.1%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 46.1% (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