Visbanking Logo
Skip to main content

Firstier Bank

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

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
72
/ 100
StableAs of 2025-Q3QoQ -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-Q3

Bank #536554 2025-Q3 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 21.9% (Adjusted NPL + Performing Mods denominator).
  2. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 8.00% (govt-guarantees stripped).
  3. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.56% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2025:
↓ -2 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -8
  • Reserves
    ↓ -1

The five pillars

Liquidity

StableQoQ +1
71
Sub-score

Liquidity is stable: brokered 0.5%, loans/deposits 87.3%, cash 0.6% of assets.

Cash / Assets
0.56%
Loans / Deposits
87.31%
Brokered %
0.55%

Watch Items

  • riskCash / Assets below 3% — Cash 0.56% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.80%
No watch items at this period.

Capitalization

StrongQoQ -1
93
Sub-score

Capital position is strong: Tier 1 RBC 13.32%, CET1 13.32%, leverage 11.72%.

Tier 1 RBC
13.32%
CET1
13.32%
Leverage
11.72%
No watch items at this period.

Asset Quality

WatchQoQ -8
59
Sub-score

Asset quality is deteriorating: Adjusted NPL 8.00%, Texas Ratio 45.5%, NCO YTD 0.28%.

Adjusted NPL
8.00%
Govt-guarantees stripped
Texas Ratio
45.5%
NCO YTD
0.28%
30-89 PD
0.20%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 8.00% (govt-guarantees stripped).

Reserves

RiskQoQ -1
33
Sub-score

Reserves are weak: ALLL 1.99% of loans, coverage 25.3%, true coverage 21.9%.

ALLL / Loans
1.99%
Coverage
25.3%
True Loss Coverage
21.9%

Watch Items

  • watchALLL / NPL below 50% — Coverage 25.3% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 21.9% (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