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First Savings And Loan Association

IDRSSD: 141677
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
89
/ 100
StrongAs of 2025-Q3QoQ +2

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 #141677 2025-Q3 Vital Signs Score: 89/100 — 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 1.46% of assets (threshold 3%).
  2. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.54% of loans.

What changed this quarter

Compared to Q2 2025:
↑ +2 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +4
  • Reserves
    ↑ +10

The five pillars

Liquidity

StableQoQ -4
74
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 84.3%, cash 1.5% of assets.

Cash / Assets
1.46%
Loans / Deposits
84.28%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.46% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 20.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
19.97%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 52.86%, CET1 52.86%, leverage 22.93%.

Tier 1 RBC
52.86%
CET1
52.86%
Leverage
22.93%
No watch items at this period.

Asset Quality

StrongQoQ +4
95
Sub-score

Asset quality is strong: Adjusted NPL 0.22%, Texas Ratio 0.6%, NCO YTD 0.00%.

Adjusted NPL
0.22%
Govt-guarantees stripped
Texas Ratio
0.6%
NCO YTD
0.00%
30-89 PD
1.15%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +10
68
Sub-score

Reserves are stable: ALLL 0.54% of loans, coverage 243.2%, true coverage 240.2%.

ALLL / Loans
0.54%
Coverage
243.2%
True Loss Coverage
240.2%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.54% 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: 2026-05-13 08:47:16 UTC