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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-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
63
/ 100
StableAs of 2025-Q3QoQ -9

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 #32234 2025-Q3 Vital Signs Score: 63/100 — overall stable. Strongest pillar: Asset Quality (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.27% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2025:
↓ -9 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    ↓ -3
  • Capitalization
    ↓ -10
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -31

The five pillars

Liquidity

StableQoQ -5
66
Sub-score

Liquidity is stable: brokered 25.0%, loans/deposits 38.1%, cash 2.3% of assets.

Cash / Assets
2.27%
Loans / Deposits
38.09%
Brokered %
25.04%

Watch Items

  • infoCash / Assets below 3% — Cash 2.27% of assets (threshold 3%).

Securities

RiskQoQ -3
21
Sub-score

Securities profile is weak: securities 43.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
43.55%
No watch items at this period.

Capitalization

StableQoQ -10
69
Sub-score

Capital position is stable: Tier 1 RBC 12.46%, CET1 12.46%, leverage 7.04%.

Tier 1 RBC
12.46%
CET1
12.46%
Leverage
7.04%
No watch items at this period.

Asset Quality

StrongQoQ -1
89
Sub-score

Asset quality is strong: Adjusted NPL 0.93%, Texas Ratio 4.7%, NCO YTD 0.01%.

Adjusted NPL
0.93%
Govt-guarantees stripped
Texas Ratio
4.7%
NCO YTD
0.01%
30-89 PD
0.11%
Band 0.3% / 3.0%
90+ PD
0.93%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -31
44
Sub-score

Reserves are deteriorating: ALLL 0.79% of loans, coverage 85.6%, true coverage 85.6%.

ALLL / Loans
0.79%
Coverage
85.6%
True Loss Coverage
85.6%
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 14:11:54 UTC