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Firstier Bank

IDRSSD: 536554
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
74
/ 100
StableAs of 2025-Q1QoQ 0

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 #536554 2025-Q1 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 0.81% of assets (threshold 3%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 28.9% (Adjusted NPL + Performing Mods denominator).
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 38.6% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q4 2024:
↑ 0 ptscomposite
  • Liquidity
    ↑ +5
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -3

The five pillars

Liquidity

StableQoQ +5
67
Sub-score

Liquidity is stable: brokered 2.5%, loans/deposits 93.0%, cash 0.8% of assets.

Cash / Assets
0.81%
Loans / Deposits
93.01%
Brokered %
2.46%

Watch Items

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

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.92%
No watch items at this period.

Capitalization

StrongQoQ 0
99
Sub-score

Capital position is strong: Tier 1 RBC 14.51%, CET1 14.51%, leverage 13.45%.

Tier 1 RBC
14.51%
CET1
14.51%
Leverage
13.45%
No watch items at this period.

Asset Quality

StableQoQ -2
63
Sub-score

Asset quality is stable: Adjusted NPL 4.16%, Texas Ratio 22.8%, NCO YTD 0.05%.

Adjusted NPL
4.16%
Govt-guarantees stripped
Texas Ratio
22.8%
NCO YTD
0.05%
30-89 PD
0.99%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.16% (govt-guarantees stripped).

Reserves

RiskQoQ -3
33
Sub-score

Reserves are weak: ALLL 1.58% of loans, coverage 38.6%, true coverage 28.9%.

ALLL / Loans
1.58%
Coverage
38.6%
True Loss Coverage
28.9%

Watch Items

  • watchALLL / NPL below 50% — Coverage 38.6% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 28.9% (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