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First Independent Bank

IDRSSD: 761851
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
89
/ 100
StrongAs of 2026-Q1QoQ +9

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 #761851 2026-Q1 Vital Signs Score: 89/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (strong).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q4 2025:
↑ +9 ptscomposite
  • Liquidity
    ↑ +5
  • Securities
    — —
  • Capitalization
    ↑ +35
  • Asset Quality
    ↓ -2
  • Reserves
    ↑ +1

The five pillars

Liquidity

StrongQoQ +5
84
Sub-score

Liquidity is strong: brokered 6.3%, loans/deposits 78.5%, cash 6.4% of assets.

Cash / Assets
6.43%
Loans / Deposits
78.46%
Brokered %
6.29%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 13.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
13.25%
No watch items at this period.

Capitalization

StrongQoQ +35
81
Sub-score

Capital position is strong: Tier 1 RBC 12.31%, CET1 12.31%, leverage 9.85%.

Tier 1 RBC
12.31%
CET1
12.31%
Leverage
9.85%
No watch items at this period.

Asset Quality

StrongQoQ -2
95
Sub-score

Asset quality is strong: Adjusted NPL 0.18%, Texas Ratio 1.1%, NCO YTD 0.00%.

Adjusted NPL
0.18%
Govt-guarantees stripped
Texas Ratio
1.1%
NCO YTD
0.00%
30-89 PD
1.05%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +1
89
Sub-score

Reserves are strong: ALLL 1.16% of loans, coverage 666.3%, true coverage 666.3%.

ALLL / Loans
1.16%
Coverage
666.3%
True Loss Coverage
666.3%
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: 2026-05-12 21:15:31 UTC