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First Liberty Bank

IDRSSD: 898850
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
87
/ 100
StrongAs of 2025-Q2QoQ +1

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

Quarterly Headline

2025-Q2

Bank #898850 2025-Q2 Vital Signs Score: 87/100 — 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 Q1 2025:
↑ +1 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↑ 0
  • Reserves
    ↑ +3

The five pillars

Liquidity

StableQoQ -1
72
Sub-score

Liquidity is stable: brokered 10.2%, loans/deposits 98.2%, cash 6.6% of assets.

Cash / Assets
6.59%
Loans / Deposits
98.20%
Brokered %
10.23%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.35%
No watch items at this period.

Capitalization

StrongQoQ +1
89
Sub-score

Capital position is strong: Tier 1 RBC 12.87%, CET1 12.87%, leverage 11.67%.

Tier 1 RBC
12.87%
CET1
12.87%
Leverage
11.67%
No watch items at this period.

Asset Quality

StrongQoQ 0
95
Sub-score

Asset quality is strong: Adjusted NPL 1.07%, Texas Ratio 7.0%, NCO YTD 0.00%.

Adjusted NPL
1.07%
Govt-guarantees stripped
Texas Ratio
7.0%
NCO YTD
0.00%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +3
77
Sub-score

Reserves are stable: ALLL 1.48% of loans, coverage 139.8%, true coverage 82.1%.

ALLL / Loans
1.48%
Coverage
139.8%
True Loss Coverage
82.1%
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 16:59:59 UTC