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First Peoples Bank

IDRSSD: 1459799
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
99
/ 100
StrongAs of 2025-Q4QoQ +3

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

Quarterly Headline

2025-Q4

Bank #1459799 2025-Q4 Vital Signs Score: 99/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (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 Q3 2025:
↑ +3 ptscomposite
  • Liquidity
    ↑ +7
  • Securities
    — —
  • Capitalization
    ↑ +5
  • Asset Quality
    ↓ 0
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +7
95
Sub-score

Liquidity is strong: brokered 1.3%, loans/deposits 78.8%, cash 17.1% of assets.

Cash / Assets
17.14%
Loans / Deposits
78.79%
Brokered %
1.31%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.24%
No watch items at this period.

Capitalization

StrongQoQ +5
100
Sub-score

Capital position is strong: Tier 1 RBC 16.28%, CET1 16.28%, leverage 13.52%.

Tier 1 RBC
16.28%
CET1
16.28%
Leverage
13.52%
No watch items at this period.

Asset Quality

StrongQoQ 0
100
Sub-score

Asset quality is strong: Adjusted NPL 0.08%, Texas Ratio 0.4%, NCO YTD 0.11%.

Adjusted NPL
0.08%
Govt-guarantees stripped
Texas Ratio
0.4%
NCO YTD
0.11%
30-89 PD
0.29%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 1.53% of loans, coverage 1950.0%, true coverage 790.5%.

ALLL / Loans
1.53%
Coverage
1950.0%
True Loss Coverage
790.5%
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: 2026-05-14 01:58:09 UTC