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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-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2024-Q3QoQ -3

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

Quarterly Headline

2024-Q3

Bank #251558 2024-Q3 Vital Signs Score: 75/100 — 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
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.48% (govt-guarantees stripped).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 40.1% (Adjusted NPL + Performing Mods denominator).
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 49.4% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q2 2024:
↓ -3 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↓ -9
  • Reserves
    ↑ +5

The five pillars

Liquidity

StrongQoQ -2
80
Sub-score

Liquidity is strong: brokered 28.3%, loans/deposits 52.5%, cash 9.6% of assets.

Cash / Assets
9.64%
Loans / Deposits
52.50%
Brokered %
28.26%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 10.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
10.63%
No watch items at this period.

Capitalization

StrongQoQ -4
88
Sub-score

Capital position is strong: Tier 1 RBC 13.68%, CET1 13.68%, leverage 8.43%.

Tier 1 RBC
13.68%
CET1
13.68%
Leverage
8.43%
No watch items at this period.

Asset Quality

StableQoQ -9
65
Sub-score

Asset quality is stable: Adjusted NPL 3.48%, Texas Ratio 17.2%, NCO YTD 0.04%.

Adjusted NPL
3.48%
Govt-guarantees stripped
Texas Ratio
17.2%
NCO YTD
0.04%
30-89 PD
1.71%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.48% (govt-guarantees stripped).

Reserves

RiskQoQ +5
38
Sub-score

Reserves are weak: ALLL 1.69% of loans, coverage 49.4%, true coverage 40.1%.

ALLL / Loans
1.69%
Coverage
49.4%
True Loss Coverage
40.1%

Watch Items

  • infoALLL / NPL below 50% — Coverage 49.4% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 40.1% (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