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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
87
/ 100
StrongAs of 2025-Q4QoQ 0

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

Quarterly Headline

2025-Q4

Bank #830355 2025-Q4 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 2.97% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↓ 0 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -1

The five pillars

Liquidity

StrongQoQ 0
84
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 70.1%, cash 3.0% of assets.

Cash / Assets
2.97%
Loans / Deposits
70.11%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.97% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 13.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
13.59%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.22%, CET1 16.22%, leverage 10.95%.

Tier 1 RBC
16.22%
CET1
16.22%
Leverage
10.95%
No watch items at this period.

Asset Quality

StrongQoQ -2
85
Sub-score

Asset quality is strong: Adjusted NPL 1.57%, Texas Ratio 8.1%, NCO YTD 0.68%.

Adjusted NPL
1.57%
Govt-guarantees stripped
Texas Ratio
8.1%
NCO YTD
0.68%
30-89 PD
0.22%
Band 0.3% / 3.0%
90+ PD
0.16%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -1
57
Sub-score

Reserves are deteriorating: ALLL 1.34% of loans, coverage 86.1%, true coverage 74.5%.

ALLL / Loans
1.34%
Coverage
86.1%
True Loss Coverage
74.5%
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