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Firstier Bank

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

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
74
/ 100
StableAs of 2024-Q4QoQ -3

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

Quarterly Headline

2024-Q4

Bank #536554 2024-Q4 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.92% of assets (threshold 3%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 36.3% (Adjusted NPL + Performing Mods denominator).
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 36.8% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q3 2024:
↓ -3 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -8
  • Reserves
    ↓ -2

The five pillars

Liquidity

StableQoQ -4
62
Sub-score

Liquidity is stable: brokered 3.1%, loans/deposits 101.4%, cash 0.9% of assets.

Cash / Assets
0.92%
Loans / Deposits
101.38%
Brokered %
3.10%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 101.4% (threshold 100%).
  • riskCash / Assets below 3% — Cash 0.92% 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
0.98%
No watch items at this period.

Capitalization

StrongQoQ +1
99
Sub-score

Capital position is strong: Tier 1 RBC 14.42%, CET1 14.42%, leverage 13.07%.

Tier 1 RBC
14.42%
CET1
14.42%
Leverage
13.07%
No watch items at this period.

Asset Quality

StableQoQ -8
65
Sub-score

Asset quality is stable: Adjusted NPL 4.28%, Texas Ratio 24.0%, NCO YTD 0.13%.

Adjusted NPL
4.28%
Govt-guarantees stripped
Texas Ratio
24.0%
NCO YTD
0.13%
30-89 PD
0.58%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.28% (govt-guarantees stripped).

Reserves

RiskQoQ -2
36
Sub-score

Reserves are weak: ALLL 1.55% of loans, coverage 36.8%, true coverage 36.3%.

ALLL / Loans
1.55%
Coverage
36.8%
True Loss Coverage
36.3%

Watch Items

  • watchALLL / NPL below 50% — Coverage 36.8% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 36.3% (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