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First National Bank And Trust Company Of Mcalester

IDRSSD: 830355
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
87
/ 100
StrongAs of 2025-Q3QoQ -2

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 #830355 2025-Q3 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.94% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ -10
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -2
  • Reserves
    ↑ +1

The five pillars

Liquidity

StrongQoQ -10
84
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 68.4%, cash 2.9% of assets.

Cash / Assets
2.94%
Loans / Deposits
68.43%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.94% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 14.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
14.74%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 15.85%, CET1 15.85%, leverage 10.73%.

Tier 1 RBC
15.85%
CET1
15.85%
Leverage
10.73%
No watch items at this period.

Asset Quality

StrongQoQ -2
87
Sub-score

Asset quality is strong: Adjusted NPL 1.77%, Texas Ratio 9.0%, NCO YTD 0.07%.

Adjusted NPL
1.77%
Govt-guarantees stripped
Texas Ratio
9.0%
NCO YTD
0.07%
30-89 PD
0.70%
Band 0.3% / 3.0%
90+ PD
0.08%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +1
58
Sub-score

Reserves are deteriorating: ALLL 1.43% of loans, coverage 81.7%, true coverage 71.4%.

ALLL / Loans
1.43%
Coverage
81.7%
True Loss Coverage
71.4%
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 16:31:42 UTC