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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-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2025-Q3QoQ +6

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

Quarterly Headline

2025-Q3

Bank #251558 2025-Q3 Vital Signs Score: 81/100 — overall strong. 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 34.0% (Adjusted NPL + Performing Mods denominator).
  2. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.48% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↑ +6 ptscomposite
  • Liquidity
    ↑ +11
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↑ +14
  • Reserves
    ↑ +3

The five pillars

Liquidity

StrongQoQ +11
92
Sub-score

Liquidity is strong: brokered 6.8%, loans/deposits 56.7%, cash 8.5% of assets.

Cash / Assets
8.50%
Loans / Deposits
56.70%
Brokered %
6.81%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 7.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
7.07%
No watch items at this period.

Capitalization

StrongQoQ 0
95
Sub-score

Capital position is strong: Tier 1 RBC 14.63%, CET1 14.63%, leverage 8.82%.

Tier 1 RBC
14.63%
CET1
14.63%
Leverage
8.82%
No watch items at this period.

Asset Quality

StableQoQ +14
72
Sub-score

Asset quality is stable: Adjusted NPL 3.48%, Texas Ratio 17.4%, NCO YTD 0.06%.

Adjusted NPL
3.48%
Govt-guarantees stripped
Texas Ratio
17.4%
NCO YTD
0.06%
30-89 PD
0.60%
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 +3
37
Sub-score

Reserves are weak: ALLL 1.93% of loans, coverage 56.6%, true coverage 34.0%.

ALLL / Loans
1.93%
Coverage
56.6%
True Loss Coverage
34.0%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 34.0% (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