Visbanking Logo
Skip to main content

First Resource Bank

IDRSSD: 3349241
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2025-Q3QoQ -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-Q3

Bank #3349241 2025-Q3 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 103.0% (threshold 100%).
  2. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.72% of loans.

What changed this quarter

Compared to Q2 2025:
↓ -4 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -14

The five pillars

Liquidity

StableQoQ -5
61
Sub-score

Liquidity is stable: brokered 14.3%, loans/deposits 103.0%, cash 4.1% of assets.

Cash / Assets
4.10%
Loans / Deposits
103.00%
Brokered %
14.32%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 103.0% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.26%
No watch items at this period.

Capitalization

WatchQoQ -1
57
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.27%, CET1 10.27%, leverage 8.43%.

Tier 1 RBC
10.27%
CET1
10.27%
Leverage
8.43%
No watch items at this period.

Asset Quality

StrongQoQ -1
99
Sub-score

Asset quality is strong: Adjusted NPL 0.00%, Texas Ratio 0.0%, NCO YTD 0.13%.

Adjusted NPL
0.00%
Govt-guarantees stripped
Texas Ratio
0.0%
NCO YTD
0.13%
30-89 PD
0.48%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -14
61
Sub-score

Reserves are stable: ALLL 0.72% of loans, true coverage 42790.9%.

ALLL / Loans
0.72%
Coverage
—
True Loss Coverage
42790.9%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.72% of loans.

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 06:01:21 UTC