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Firstier Bank

IDRSSD: 536554
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2024-Q2QoQ -5

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

Quarterly Headline

2024-Q2

Bank #536554 2024-Q2 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.81% of assets (threshold 3%).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 44.5% (Adjusted NPL + Performing Mods denominator).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.93% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2024:
↓ -5 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↓ -14
  • Reserves
    ↓ -10

The five pillars

Liquidity

StableQoQ +1
67
Sub-score

Liquidity is stable: brokered 3.0%, loans/deposits 92.2%, cash 0.8% of assets.

Cash / Assets
0.81%
Loans / Deposits
92.22%
Brokered %
3.00%

Watch Items

  • riskCash / Assets below 3% — Cash 0.81% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.97%
No watch items at this period.

Capitalization

StrongQoQ -3
97
Sub-score

Capital position is strong: Tier 1 RBC 14.00%, CET1 14.00%, leverage 12.05%.

Tier 1 RBC
14.00%
CET1
14.00%
Leverage
12.05%
No watch items at this period.

Asset Quality

StableQoQ -14
72
Sub-score

Asset quality is stable: Adjusted NPL 2.93%, Texas Ratio 17.4%, NCO YTD -0.01%.

Adjusted NPL
2.93%
Govt-guarantees stripped
Texas Ratio
17.4%
NCO YTD
-0.01%
30-89 PD
1.33%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.93% (govt-guarantees stripped).

Reserves

WatchQoQ -10
41
Sub-score

Reserves are deteriorating: ALLL 1.50% of loans, coverage 51.9%, true coverage 44.5%.

ALLL / Loans
1.50%
Coverage
51.9%
True Loss Coverage
44.5%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 44.5% (Adjusted NPL + Performing Mods denominator).

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: 2026-05-12 19:33:56 UTC