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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 — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
72
/ 100
StableAs of 2025-Q2QoQ -1

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

Quarterly Headline

2025-Q2

Bank #32234 2025-Q2 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
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.74% of loans.

What changed this quarter

Compared to Q1 2025:
↓ -1 ptscomposite
  • Liquidity
    ↑ +5
  • Securities
    ↑ +2
  • Capitalization
    ↓ 0
  • Asset Quality
    ↓ -9
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ +5
71
Sub-score

Liquidity is stable: brokered 24.6%, loans/deposits 31.5%, cash 4.5% of assets.

Cash / Assets
4.55%
Loans / Deposits
31.51%
Brokered %
24.64%
No watch items at this period.

Securities

RiskQoQ +2
25
Sub-score

Securities profile is weak: securities 42.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
42.60%
No watch items at this period.

Capitalization

StableQoQ 0
80
Sub-score

Capital position is stable: Tier 1 RBC 13.72%, CET1 13.72%, leverage 6.91%.

Tier 1 RBC
13.72%
CET1
13.72%
Leverage
6.91%
No watch items at this period.

Asset Quality

StrongQoQ -9
90
Sub-score

Asset quality is strong: Adjusted NPL 0.21%, Texas Ratio 0.9%, NCO YTD 0.27%.

Adjusted NPL
0.21%
Govt-guarantees stripped
Texas Ratio
0.9%
NCO YTD
0.27%
30-89 PD
1.54%
Band 0.3% / 3.0%
90+ PD
0.21%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +1
75
Sub-score

Reserves are stable: ALLL 0.74% of loans, coverage 359.4%, true coverage 359.4%.

ALLL / Loans
0.74%
Coverage
359.4%
True Loss Coverage
359.4%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.74% 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