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First National Bank And Trust Co

IDRSSD: 251558
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
88
/ 100
StrongAs of 2023-Q4QoQ -5

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 #251558 2023-Q4 Vital Signs Score: 88/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q3 2023:
↓ -5 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +10
  • Asset Quality
    ↓ -22
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +1
99
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 55.4%, cash 9.5% of assets.

Cash / Assets
9.45%
Loans / Deposits
55.37%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 10.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
10.30%
No watch items at this period.

Capitalization

StrongQoQ +10
88
Sub-score

Capital position is strong: Tier 1 RBC 13.85%, CET1 13.85%, leverage 8.02%.

Tier 1 RBC
13.85%
CET1
13.85%
Leverage
8.02%
No watch items at this period.

Asset Quality

StableQoQ -22
78
Sub-score

Asset quality is stable: Adjusted NPL 0.89%, Texas Ratio 4.5%, NCO YTD -0.04%.

Adjusted NPL
0.89%
Govt-guarantees stripped
Texas Ratio
4.5%
NCO YTD
-0.04%
30-89 PD
3.25%
Band 0.3% / 3.0%
90+ PD
0.28%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Stable
78
Sub-score

Reserves are stable: ALLL 1.63% of loans, coverage 185.6%, true coverage 61.0%.

ALLL / Loans
1.63%
Coverage
185.6%
True Loss Coverage
61.0%
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 22:52:53 UTC