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First National Bank And Trust Company

IDRSSD: 32234
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
72
/ 100
StableAs of 2024-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

2024-Q1

Bank #32234 2024-Q1 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Asset Quality (strong). Weakest pillar: Securities (risk).

Liquidity:Stable
Securities:Risk
Capitalization:Strong
Asset Quality:Strong
Reserves:Stable

Top 3 Watch Items

  1. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.65% of loans.

What changed this quarter

Compared to Q4 2023:
↑ +1 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    ↓ 0
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -3
  • Reserves
    ↑ 0

The five pillars

Liquidity

StableQoQ +3
70
Sub-score

Liquidity is stable: brokered 25.2%, loans/deposits 33.7%, cash 3.9% of assets.

Cash / Assets
3.91%
Loans / Deposits
33.67%
Brokered %
25.19%
No watch items at this period.

Securities

RiskQoQ 0
19
Sub-score

Securities profile is weak: securities 44.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
44.35%
No watch items at this period.

Capitalization

StrongQoQ +2
81
Sub-score

Capital position is strong: Tier 1 RBC 13.59%, CET1 13.59%, leverage 7.02%.

Tier 1 RBC
13.59%
CET1
13.59%
Leverage
7.02%
No watch items at this period.

Asset Quality

StrongQoQ -3
96
Sub-score

Asset quality is strong: Adjusted NPL 0.00%, Texas Ratio 0.0%, NCO YTD 0.01%.

Adjusted NPL
0.00%
Govt-guarantees stripped
Texas Ratio
0.0%
NCO YTD
0.01%
30-89 PD
0.93%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ 0
72
Sub-score

Reserves are stable: ALLL 0.65% of loans, coverage 83500.0%, true coverage 568.0%.

ALLL / Loans
0.65%
Coverage
83500.0%
True Loss Coverage
568.0%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.65% of loans.

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 14:11:54 UTC