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1st National Bank

IDRSSD: 480723
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2023-Q4QoQ -2

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

Quarterly Headline

2023-Q4

Bank #480723 2023-Q4 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.44% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2023:
↓ -2 ptscomposite
  • Liquidity
    ↓ -10
  • Securities
    — —
  • Capitalization
    ↑ +8
  • Asset Quality
    ↓ -6
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -10
68
Sub-score

Liquidity is stable: brokered 7.4%, loans/deposits 85.2%, cash 1.4% of assets.

Cash / Assets
1.44%
Loans / Deposits
85.20%
Brokered %
7.40%

Watch Items

  • watchCash / Assets below 3% — Cash 1.44% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 7.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
7.92%
No watch items at this period.

Capitalization

WatchQoQ +8
48
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.88%, CET1 9.88%, leverage 6.82%.

Tier 1 RBC
9.88%
CET1
9.88%
Leverage
6.82%
No watch items at this period.

Asset Quality

StrongQoQ -6
94
Sub-score

Asset quality is strong: Adjusted NPL 0.64%, Texas Ratio 6.2%, NCO YTD -0.01%.

Adjusted NPL
0.64%
Govt-guarantees stripped
Texas Ratio
6.2%
NCO YTD
-0.01%
30-89 PD
0.20%
Band 0.3% / 3.0%
90+ PD
0.58%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Stable
72
Sub-score

Reserves are stable: ALLL 0.98% of loans, coverage 154.1%, true coverage 154.1%.

ALLL / Loans
0.98%
Coverage
154.1%
True Loss Coverage
154.1%
No watch items at this period.

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: 2026-05-14 13:40:37 UTC