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First Option Bank

IDRSSD: 285852
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
88
/ 100
StrongAs of 2025-Q1QoQ -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-Q1

Bank #285852 2025-Q1 Vital Signs Score: 88/100 — overall strong. Strongest pillar: Asset Quality (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.01% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2024:
↓ -4 ptscomposite
  • Liquidity
    ↓ -14
  • Securities
    ↓ -3
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -1
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ -14
76
Sub-score

Liquidity is stable: brokered 6.0%, loans/deposits 67.3%, cash 1.0% of assets.

Cash / Assets
1.01%
Loans / Deposits
67.26%
Brokered %
6.04%

Watch Items

  • watchCash / Assets below 3% — Cash 1.01% of assets (threshold 3%).

Securities

StrongQoQ -3
87
Sub-score

Securities profile is strong: securities 23.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
23.75%
No watch items at this period.

Capitalization

StrongQoQ -1
92
Sub-score

Capital position is strong: Tier 1 RBC 15.09%, CET1 15.09%, leverage 8.04%.

Tier 1 RBC
15.09%
CET1
15.09%
Leverage
8.04%
No watch items at this period.

Asset Quality

StrongQoQ -1
99
Sub-score

Asset quality is strong: Adjusted NPL 0.01%, Texas Ratio 0.1%, NCO YTD 0.01%.

Adjusted NPL
0.01%
Govt-guarantees stripped
Texas Ratio
0.1%
NCO YTD
0.01%
30-89 PD
0.50%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +1
79
Sub-score

Reserves are stable: ALLL 0.88% of loans, coverage 9214.3%, true coverage 9214.3%.

ALLL / Loans
0.88%
Coverage
9214.3%
True Loss Coverage
9214.3%
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: 2026-05-13 21:05:59 UTC