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Firstbank

IDRSSD: 436159
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
89
/ 100
StrongAs of 2025-Q1QoQ +1

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

Quarterly Headline

2025-Q1

Bank #436159 2025-Q1 Vital Signs Score: 89/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q4 2024:
↑ +1 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↑ +5
  • Reserves
    ↑ +3

The five pillars

Liquidity

StableQoQ -5
78
Sub-score

Liquidity is stable: brokered 3.7%, loans/deposits 87.2%, cash 5.2% of assets.

Cash / Assets
5.22%
Loans / Deposits
87.17%
Brokered %
3.69%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StrongQoQ 0
90
Sub-score

Capital position is strong: Tier 1 RBC 12.65%, CET1 12.65%, leverage 10.82%.

Tier 1 RBC
12.65%
CET1
12.65%
Leverage
10.82%
No watch items at this period.

Asset Quality

StrongQoQ +5
91
Sub-score

Asset quality is strong: Adjusted NPL 1.07%, Texas Ratio 6.6%, NCO YTD 0.13%.

Adjusted NPL
1.07%
Govt-guarantees stripped
Texas Ratio
6.6%
NCO YTD
0.13%
30-89 PD
0.43%
Band 0.3% / 3.0%
90+ PD
0.48%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +3
88
Sub-score

Reserves are strong: ALLL 1.51% of loans, coverage 144.3%, true coverage 138.7%.

ALLL / Loans
1.51%
Coverage
144.3%
True Loss Coverage
138.7%
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: 2026-05-14 17:01:47 UTC