Visbanking Logo
Skip to main content

Consumers National Bank

IDRSSD: 477321
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
83
/ 100
StrongAs of 2026-Q1QoQ 0

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 #477321 2026-Q1 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.40% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2025:
↑ 0 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    — —
  • Reserves
    ↓ -1

The five pillars

Liquidity

StableQoQ -1
75
Sub-score

Liquidity is stable: brokered 0.2%, loans/deposits 80.8%, cash 1.4% of assets.

Cash / Assets
1.40%
Loans / Deposits
80.76%
Brokered %
0.18%

Watch Items

  • watchCash / Assets below 3% — Cash 1.40% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.46%
No watch items at this period.

Capitalization

StableQoQ +2
62
Sub-score

Capital position is stable: Tier 1 RBC 11.06%, CET1 11.06%, leverage 8.35%.

Tier 1 RBC
11.06%
CET1
11.06%
Leverage
8.35%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.06%, Texas Ratio 0.5%, NCO YTD 0.03%.

Adjusted NPL
0.06%
Govt-guarantees stripped
Texas Ratio
0.5%
NCO YTD
0.03%
30-89 PD
0.12%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -1
83
Sub-score

Reserves are strong: ALLL 0.98% of loans, coverage 1621.2%, true coverage 1621.2%.

ALLL / Loans
0.98%
Coverage
1621.2%
True Loss Coverage
1621.2%
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: 2026-05-12 21:26:22 UTC