Visbanking Logo
Skip to main content

First Savings Bank

IDRSSD: 785473
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
80
/ 100
StableAs of 2025-Q4QoQ +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-Q4

Bank #785473 2025-Q4 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 113.4% (threshold 100%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.29% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↑ +2 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +6
  • Asset Quality
    ↓ 0
  • Reserves
    ↑ 0

The five pillars

Liquidity

WatchQoQ +1
53
Sub-score

Liquidity is deteriorating: brokered 10.9%, loans/deposits 113.4%, cash 1.3% of assets.

Cash / Assets
1.29%
Loans / Deposits
113.43%
Brokered %
10.87%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 113.4% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.29% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.15%
No watch items at this period.

Capitalization

StableQoQ +6
76
Sub-score

Capital position is stable: Tier 1 RBC 11.90%, CET1 11.90%, leverage 9.51%.

Tier 1 RBC
11.90%
CET1
11.90%
Leverage
9.51%
No watch items at this period.

Asset Quality

StrongQoQ 0
97
Sub-score

Asset quality is strong: Adjusted NPL 0.80%, Texas Ratio 6.1%, NCO YTD 0.01%.

Adjusted NPL
0.80%
Govt-guarantees stripped
Texas Ratio
6.1%
NCO YTD
0.01%
30-89 PD
0.29%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ 0
71
Sub-score

Reserves are stable: ALLL 1.06% of loans, coverage 134.3%, true coverage 134.3%.

ALLL / Loans
1.06%
Coverage
134.3%
True Loss Coverage
134.3%
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: 2026-05-15 08:20:59 UTC