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The Federal Savings Bank

IDRSSD: 2806877
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 1 alert active.

Summary

RSSD 2806877 held $1.1B in total assets as of 2026-03-31 (-6.0% quarter-over-quarter). Total loans stood at $954.7M (-4.9% QoQ) and total deposits at $760.0M (-8.2% QoQ).

Overall position is weak — the composite Health Score is 23/100 (Weak). Tier 1 / RWA stands at 20.14%, in the top quartile of peers. Asset quality (NPL ratio) sits in the bottom decile of peers.

1 Quarterly Anomaly Alert fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
23/100
Weak
Active Alerts
1
0 critical, 1 warning
Total Assets
$1.1B
-6.0% QoQ
Total Loans
$954.7M
-4.9% QoQ
Total Deposits
$760.0M
-8.2% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
20.14%
87th pctile · n=335↑ better
+79 bp QoQ
CET1 / RWA
20.14%
92th pctile · n=500↑ better
+78 bp QoQ
Total RBC / RWA
20.89%
86th pctile · n=335↑ better
+72 bp QoQ
Tier 1 Leverage Ratio
20.14%
92th pctile · n=500↑ better
+78 bp QoQ

Liquidity

Cash / Assets
3.87%
28th pctile · n=500↑ better
-87 bp QoQ
Loans / Deposits
125.62%
100th pctile · n=498↓ better
+436 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
3.47%
95th pctile · n=500↓ better
+12 bp QoQ
NPA / Assets
3.23%
97th pctile · n=500↓ better
+25 bp QoQ
Texas Ratio (regulatory)
20.25%
95th pctile · n=500↓ better
+55 bp QoQ
Net Charge-Offs / Avg Loans
0.20%
89th pctile · n=500↓ better
+8 bp QoQ
ALLL Coverage of NPL
18.27%
8th pctile · n=500↑ better
-226 bp QoQ

Earnings

Net Interest Margin
3.31%
22th pctile · n=500↑ better
-21 bp QoQ
Return on Assets
-0.17%
2th pctile · n=500↑ better
-75 bp QoQ
Return on Equity
-1.12%
2th pctile · n=500↑ better
-522 bp QoQ
Efficiency Ratio
102.10%
98th pctile · n=500↓ better
+808 bp QoQ
Pre-tax NOI / Avg Assets
-0.23%
2th pctile · n=500↑ better
-99 bp QoQ

Funding

Brokered / Deposits
27.29%
97th pctile · n=498↓ better
-381 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
12.15%
95th pctile · n=500↓ better
+187 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
0.33%
1th pctile · n=500↑ better
+1 bp QoQ
AFS Securities / Assets
0.33%
4th pctile · n=500↑ better
+1 bp QoQ
HTM Securities / Assets
0.00%
28th pctile · n=500↑ better

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-13 14:04:28 UTC