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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-Q4

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

Synthesis

Vital Signs Score
70
/ 100
StableAs of 2025-Q4QoQ +7

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 #32234 2025-Q4 Vital Signs Score: 70/100 — 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 2.63% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↑ +7 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    ↓ -2
  • Capitalization
    ↑ +3
  • Asset Quality
    ↑ +6
  • Reserves
    ↑ +34

The five pillars

Liquidity

StableQoQ 0
67
Sub-score

Liquidity is stable: brokered 25.6%, loans/deposits 38.2%, cash 2.6% of assets.

Cash / Assets
2.63%
Loans / Deposits
38.23%
Brokered %
25.58%

Watch Items

  • infoCash / Assets below 3% — Cash 2.63% of assets (threshold 3%).

Securities

RiskQoQ -2
19
Sub-score

Securities profile is weak: securities 44.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
44.20%
No watch items at this period.

Capitalization

StableQoQ +3
73
Sub-score

Capital position is stable: Tier 1 RBC 12.80%, CET1 12.80%, leverage 6.96%.

Tier 1 RBC
12.80%
CET1
12.80%
Leverage
6.96%
No watch items at this period.

Asset Quality

StrongQoQ +6
95
Sub-score

Asset quality is strong: Adjusted NPL 0.12%, Texas Ratio 0.6%, NCO YTD 0.03%.

Adjusted NPL
0.12%
Govt-guarantees stripped
Texas Ratio
0.6%
NCO YTD
0.03%
30-89 PD
1.13%
Band 0.3% / 3.0%
90+ PD
0.12%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +34
78
Sub-score

Reserves are stable: ALLL 0.83% of loans, coverage 678.9%, true coverage 678.9%.

ALLL / Loans
0.83%
Coverage
678.9%
True Loss Coverage
678.9%
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