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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 — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2025-Q1QoQ -1

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

Quarterly Headline

2025-Q1

Bank #251558 2025-Q1 Vital Signs Score: 77/100 — 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 31.9% (Adjusted NPL + Performing Mods denominator).
  2. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.55% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2024:
↓ -1 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -5
  • Reserves
    ↑ 0

The five pillars

Liquidity

StrongQoQ -2
88
Sub-score

Liquidity is strong: brokered 4.2%, loans/deposits 55.4%, cash 5.9% of assets.

Cash / Assets
5.92%
Loans / Deposits
55.39%
Brokered %
4.22%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 8.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
8.66%
No watch items at this period.

Capitalization

StrongQoQ +1
93
Sub-score

Capital position is strong: Tier 1 RBC 14.45%, CET1 14.45%, leverage 8.65%.

Tier 1 RBC
14.45%
CET1
14.45%
Leverage
8.65%
No watch items at this period.

Asset Quality

StableQoQ -5
62
Sub-score

Asset quality is stable: Adjusted NPL 3.55%, Texas Ratio 17.4%, NCO YTD -0.03%.

Adjusted NPL
3.55%
Govt-guarantees stripped
Texas Ratio
17.4%
NCO YTD
-0.03%
30-89 PD
2.03%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.55% (govt-guarantees stripped).

Reserves

RiskQoQ 0
35
Sub-score

Reserves are weak: ALLL 1.93% of loans, coverage 55.5%, true coverage 31.9%.

ALLL / Loans
1.93%
Coverage
55.5%
True Loss Coverage
31.9%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 31.9% (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