Liquidity
StableQoQ -5
72
Sub-score
Liquidity is stable: brokered 10.9%, loans/deposits 97.6%, cash 6.9% of assets.
- Cash / Assets
- 6.88%
- Loans / Deposits
- 97.64%
- Brokered %
- 10.86%
No watch items at this period.
First Liberty Bank
IDRSSD: 898850
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
86
/ 100
StrongAs of 2025-Q1QoQ -2
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 #898850 2025-Q1 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).
Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Stable
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q4 2024:
↓ -2 ptscomposite
- Liquidity↓ -5
- Securities— —
- Capitalization↓ -2
- Asset Quality↑ +1
- Reserves↓ -6
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 0.4% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 0.35%
SVB watch metric
No watch items at this period.
Capitalization
StrongQoQ -2
88
Sub-score
Capital position is strong: Tier 1 RBC 12.81%, CET1 12.81%, leverage 11.79%.
- Tier 1 RBC
- 12.81%
- CET1
- 12.81%
- Leverage
- 11.79%
No watch items at this period.
Asset Quality
StrongQoQ +1
94
Sub-score
Asset quality is strong: Adjusted NPL 1.12%, Texas Ratio 7.4%, NCO YTD 0.02%.
- Adjusted NPL
- 1.12%
- Texas Ratio
- 7.4%
- NCO YTD
- 0.02%
- 30-89 PD
- 0.00%
- 90+ PD
- 0.00%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StableQoQ -6
75
Sub-score
Reserves are stable: ALLL 1.48% of loans, coverage 133.7%, true coverage 79.4%.
- ALLL / Loans
- 1.48%
- Coverage
- 133.7%
- True Loss Coverage
- 79.4%
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.tsfor 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 16:59:59 UTC