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First Resource Bank

IDRSSD: 3314043
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2024-Q3QoQ +3

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

Quarterly Headline

2024-Q3

Bank #3314043 2024-Q3 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 105.1% (threshold 100%).

What changed this quarter

Compared to Q2 2024:
↑ +3 ptscomposite
  • Liquidity
    ↑ +8
  • Securities
    — —
  • Capitalization
    ↑ +5
  • Asset Quality
    — —
  • Reserves
    ↑ 0

The five pillars

Liquidity

StableQoQ +8
69
Sub-score

Liquidity is stable: brokered 8.5%, loans/deposits 105.1%, cash 6.4% of assets.

Cash / Assets
6.39%
Loans / Deposits
105.08%
Brokered %
8.54%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 105.1% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.45%
No watch items at this period.

Capitalization

StableQoQ +5
60
Sub-score

Capital position is stable: Tier 1 RBC 10.91%, CET1 10.91%, leverage 8.21%.

Tier 1 RBC
10.91%
CET1
10.91%
Leverage
8.21%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.01%, Texas Ratio 0.1%, NCO YTD 0.00%.

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

Reserves

StrongQoQ 0
86
Sub-score

Reserves are strong: ALLL 1.09% of loans, coverage 10583.9%, true coverage 1703.2%.

ALLL / Loans
1.09%
Coverage
10583.9%
True Loss Coverage
1703.2%
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 06:16:20 UTC