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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 — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2024-Q2QoQ -2

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

Quarterly Headline

2024-Q2

Bank #251558 2024-Q2 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 29.9% (Adjusted NPL + Performing Mods denominator).
  2. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.31% (govt-guarantees stripped).
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 49.2% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q1 2024:
↓ -2 ptscomposite
  • Liquidity
    ↓ -14
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -2

The five pillars

Liquidity

StrongQoQ -14
83
Sub-score

Liquidity is strong: brokered 5.8%, loans/deposits 56.7%, cash 4.0% of assets.

Cash / Assets
3.99%
Loans / Deposits
56.73%
Brokered %
5.79%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 11.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
10.97%
No watch items at this period.

Capitalization

StrongQoQ +4
93
Sub-score

Capital position is strong: Tier 1 RBC 14.74%, CET1 14.74%, leverage 8.32%.

Tier 1 RBC
14.74%
CET1
14.74%
Leverage
8.32%
No watch items at this period.

Asset Quality

StableQoQ -1
74
Sub-score

Asset quality is stable: Adjusted NPL 3.31%, Texas Ratio 16.7%, NCO YTD 0.01%.

Adjusted NPL
3.31%
Govt-guarantees stripped
Texas Ratio
16.7%
NCO YTD
0.01%
30-89 PD
0.42%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.31% (govt-guarantees stripped).

Reserves

RiskQoQ -2
33
Sub-score

Reserves are weak: ALLL 1.61% of loans, coverage 49.2%, true coverage 29.9%.

ALLL / Loans
1.61%
Coverage
49.2%
True Loss Coverage
29.9%

Watch Items

  • infoALLL / NPL below 50% — Coverage 49.2% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 29.9% (Adjusted NPL + Performing Mods denominator).

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