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Firstier Bank

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

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
65
/ 100
StableAs of 2025-Q4QoQ -7

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

Quarterly Headline

2025-Q4

Bank #536554 2025-Q4 Vital Signs Score: 65/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.83% (govt-guarantees stripped).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.04% of assets (threshold 3%).
  3. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.04% of loans.

What changed this quarter

Compared to Q3 2025:
↓ -7 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↓ -27
  • Reserves
    ↑ +6

The five pillars

Liquidity

StableQoQ +2
73
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 83.7%, cash 1.0% of assets.

Cash / Assets
1.04%
Loans / Deposits
83.74%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.04% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.75%
No watch items at this period.

Capitalization

StrongQoQ -4
89
Sub-score

Capital position is strong: Tier 1 RBC 12.85%, CET1 12.85%, leverage 11.24%.

Tier 1 RBC
12.85%
CET1
12.85%
Leverage
11.24%
No watch items at this period.

Asset Quality

RiskQoQ -27
31
Sub-score

Asset quality is weak: Adjusted NPL 4.83%, Texas Ratio 27.1%, NCO YTD 2.04%.

Adjusted NPL
4.83%
Govt-guarantees stripped
Texas Ratio
27.1%
NCO YTD
2.04%
30-89 PD
3.16%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.83% (govt-guarantees stripped).
  • watchNet charge-offs elevated — NCO YTD 2.04% of loans.

Reserves

RiskQoQ +6
39
Sub-score

Reserves are weak: ALLL 2.00% of loans, coverage 42.2%, true coverage 42.2%.

ALLL / Loans
2.00%
Coverage
42.2%
True Loss Coverage
42.2%

Watch Items

  • infoALLL / NPL below 50% — Coverage 42.2% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 42.2% (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