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First Savings Bank

IDRSSD: 67656
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
87
/ 100
StrongAs of 2023-Q4QoQ +22

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

Quarterly Headline

2023-Q4

Bank #67656 2023-Q4 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 6.10% of loans.
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.42% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2023:
↑ +22 ptscomposite
  • Liquidity
    ↓ -6
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +73
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -6
70
Sub-score

Liquidity is stable: brokered 4.0%, loans/deposits 91.6%, cash 2.4% of assets.

Cash / Assets
2.42%
Loans / Deposits
91.64%
Brokered %
4.02%

Watch Items

  • infoCash / Assets below 3% — Cash 2.42% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 9.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
9.27%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 19.81%, CET1 17.78%, leverage 15.91%.

Tier 1 RBC
19.81%
CET1
17.78%
Leverage
15.91%
No watch items at this period.

Asset Quality

StableQoQ +73
73
Sub-score

Asset quality is stable: Adjusted NPL 0.85%, Texas Ratio 2.9%, NCO YTD 6.10%.

Adjusted NPL
0.85%
Govt-guarantees stripped
Texas Ratio
2.9%
NCO YTD
6.10%
30-89 PD
1.44%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 6.10% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 6.72% of loans, coverage 851.9%, true coverage 639.7%.

ALLL / Loans
6.72%
Coverage
851.9%
True Loss Coverage
639.7%
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 10:28:38 UTC