Visbanking Logo
Skip to main content

First National Bank And Trust

IDRSSD: 183958
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
60
/ 100
StableAs of 2026-Q1QoQ -9

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

Quarterly Headline

2026-Q1

Bank #183958 2026-Q1 Vital Signs Score: 60/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.65% (govt-guarantees stripped).
  3. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.52% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2025:
↓ -9 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -26
  • Reserves
    ↓ -13

The five pillars

Liquidity

StableQoQ -2
75
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 81.5%, cash 1.5% of assets.

Cash / Assets
1.52%
Loans / Deposits
81.50%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.52% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.63%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 14.65%.

Tier 1 RBC
—
CET1
0.00%
Leverage
14.65%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

WatchQoQ -26
42
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.65%, Texas Ratio 15.4%, NCO YTD -0.09%.

Adjusted NPL
3.65%
Govt-guarantees stripped
Texas Ratio
15.4%
NCO YTD
-0.09%
30-89 PD
2.58%
Band 0.3% / 3.0%
90+ PD
2.24%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.65% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 2.24%.

Reserves

WatchQoQ -13
48
Sub-score

Reserves are deteriorating: ALLL 2.06% of loans, coverage 57.8%, true coverage 57.8%.

ALLL / Loans
2.06%
Coverage
57.8%
True Loss Coverage
57.8%
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 21:15:32 UTC