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First Option Bank

IDRSSD: 285852
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
90
/ 100
StrongAs of 2026-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

2026-Q1

Bank #285852 2026-Q1 Vital Signs Score: 90/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.64% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ -12
  • Securities
    ↓ -1
  • Capitalization
    ↑ 0
  • Asset Quality
    ↓ -1
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ -12
80
Sub-score

Liquidity is stable: brokered 2.1%, loans/deposits 70.3%, cash 1.6% of assets.

Cash / Assets
1.64%
Loans / Deposits
70.26%
Brokered %
2.09%

Watch Items

  • watchCash / Assets below 3% — Cash 1.64% of assets (threshold 3%).

Securities

StrongQoQ -1
99
Sub-score

Securities profile is strong: securities 20.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
20.22%
No watch items at this period.

Capitalization

StrongQoQ 0
92
Sub-score

Capital position is strong: Tier 1 RBC 15.97%, CET1 15.97%, leverage 8.18%.

Tier 1 RBC
15.97%
CET1
15.97%
Leverage
8.18%
No watch items at this period.

Asset Quality

StrongQoQ -1
98
Sub-score

Asset quality is strong: Adjusted NPL 0.55%, Texas Ratio 3.9%, NCO YTD 0.00%.

Adjusted NPL
0.55%
Govt-guarantees stripped
Texas Ratio
3.9%
NCO YTD
0.00%
30-89 PD
0.44%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +1
74
Sub-score

Reserves are stable: ALLL 0.93% of loans, coverage 169.5%, true coverage 169.5%.

ALLL / Loans
0.93%
Coverage
169.5%
True Loss Coverage
169.5%
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