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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-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
72
/ 100
StableAs of 2024-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

2024-Q4

Bank #32234 2024-Q4 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Asset Quality (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.38% of assets (threshold 3%).
  2. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.66% of loans.

What changed this quarter

Compared to Q3 2024:
↑ 0 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    ↑ +2
  • Capitalization
    ↑ +2
  • Asset Quality
    ↑ 0
  • Reserves
    ↓ -4

The five pillars

Liquidity

StableQoQ 0
67
Sub-score

Liquidity is stable: brokered 24.8%, loans/deposits 31.1%, cash 2.4% of assets.

Cash / Assets
2.38%
Loans / Deposits
31.09%
Brokered %
24.82%

Watch Items

  • infoCash / Assets below 3% — Cash 2.38% of assets (threshold 3%).

Securities

RiskQoQ +2
20
Sub-score

Securities profile is weak: securities 43.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
43.89%
No watch items at this period.

Capitalization

StableQoQ +2
79
Sub-score

Capital position is stable: Tier 1 RBC 13.68%, CET1 13.68%, leverage 6.91%.

Tier 1 RBC
13.68%
CET1
13.68%
Leverage
6.91%
No watch items at this period.

Asset Quality

StrongQoQ 0
99
Sub-score

Asset quality is strong: Adjusted NPL 0.19%, Texas Ratio 0.8%, NCO YTD 0.04%.

Adjusted NPL
0.19%
Govt-guarantees stripped
Texas Ratio
0.8%
NCO YTD
0.04%
30-89 PD
0.03%
Band 0.3% / 3.0%
90+ PD
0.19%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -4
72
Sub-score

Reserves are stable: ALLL 0.66% of loans, coverage 354.5%, true coverage 354.5%.

ALLL / Loans
0.66%
Coverage
354.5%
True Loss Coverage
354.5%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.66% 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