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Bna Bank

IDRSSD: 916745
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2026-Q1QoQ +3

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

Quarterly Headline

2026-Q1

Bank #916745 2026-Q1 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 3.02% of loans.
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.69% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2025:
↑ +3 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +7
  • Reserves
    ↑ +10

The five pillars

Liquidity

StrongQoQ -2
81
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 75.6%, cash 2.7% of assets.

Cash / Assets
2.69%
Loans / Deposits
75.57%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.69% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 12.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
12.06%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 17.60%, CET1 17.60%, leverage 11.87%.

Tier 1 RBC
17.60%
CET1
17.60%
Leverage
11.87%
No watch items at this period.

Asset Quality

StableQoQ +7
78
Sub-score

Asset quality is stable: Adjusted NPL 0.74%, Texas Ratio 3.8%, NCO YTD 3.02%.

Adjusted NPL
0.74%
Govt-guarantees stripped
Texas Ratio
3.8%
NCO YTD
3.02%
30-89 PD
0.68%
Band 0.3% / 3.0%
90+ PD
0.18%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 3.02% of loans.

Reserves

WatchQoQ +10
54
Sub-score

Reserves are deteriorating: ALLL 0.76% of loans, coverage 103.5%, true coverage 100.7%.

ALLL / Loans
0.76%
Coverage
103.5%
True Loss Coverage
100.7%
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: 2026-05-13 10:18:53 UTC