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First Guaranty Bank

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

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
74
/ 100
StableAs of 2026-Q1QoQ +5

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

Quarterly Headline

2026-Q1

Bank #422433 2026-Q1 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 46.6% (Adjusted NPL + Performing Mods denominator).
  2. info
    Brokered deposits above 30%
    Liquidity — Brokered 32.0% of deposits (threshold 30%).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.90% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2025:
↑ +5 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    ↑ +10
  • Asset Quality
    ↑ +9
  • Reserves
    ↑ +1

The five pillars

Liquidity

Strong
80
Sub-score

Liquidity is strong: brokered 32.0%, loans/deposits 53.7%, cash 18.5% of assets.

Cash / Assets
18.54%
Loans / Deposits
53.70%
Brokered %
32.05%

Watch Items

  • infoBrokered deposits above 30% — Brokered 32.0% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 10.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
10.04%
No watch items at this period.

Capitalization

StableQoQ +10
79
Sub-score

Capital position is stable: Tier 1 RBC 13.45%, CET1 13.45%, leverage 6.51%.

Tier 1 RBC
13.45%
CET1
13.45%
Leverage
6.51%
No watch items at this period.

Asset Quality

StableQoQ +9
64
Sub-score

Asset quality is stable: Adjusted NPL 2.90%, Texas Ratio 17.6%, NCO YTD 0.98%.

Adjusted NPL
2.90%
Govt-guarantees stripped
Texas Ratio
17.6%
NCO YTD
0.98%
30-89 PD
1.41%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.90% (govt-guarantees stripped).

Reserves

WatchQoQ +1
46
Sub-score

Reserves are deteriorating: ALLL 2.00% of loans, coverage 70.4%, true coverage 46.6%.

ALLL / Loans
2.00%
Coverage
70.4%
True Loss Coverage
46.6%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 46.6% (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