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First National Bank Of America

IDRSSD: 413141
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
74
/ 100
StableAs of 2025-Q4QoQ -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-Q4

Bank #413141 2025-Q4 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 160.1% (threshold 100%).
  2. risk
    Brokered deposits above 30%
    Liquidity — Brokered 45.4% of deposits (threshold 30%).

What changed this quarter

Compared to Q3 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -3

The five pillars

Liquidity

WatchQoQ -1
47
Sub-score

Liquidity is deteriorating: brokered 45.4%, loans/deposits 160.1%, cash 4.1% of assets.

Cash / Assets
4.11%
Loans / Deposits
160.09%
Brokered %
45.42%

Watch Items

  • riskBrokered deposits above 30% — Brokered 45.4% of deposits (threshold 30%).
  • riskLoans / Deposits above 100% — Loans/Deposits 160.1% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StrongQoQ 0
92
Sub-score

Capital position is strong: Tier 1 RBC 15.13%, CET1 15.13%, leverage 8.14%.

Tier 1 RBC
15.13%
CET1
15.13%
Leverage
8.14%
No watch items at this period.

Asset Quality

StrongQoQ -1
85
Sub-score

Asset quality is strong: Adjusted NPL 1.84%, Texas Ratio 18.7%, NCO YTD 0.01%.

Adjusted NPL
1.84%
Govt-guarantees stripped
Texas Ratio
18.7%
NCO YTD
0.01%
30-89 PD
0.64%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -3
36
Sub-score

Reserves are weak: ALLL 1.09% of loans, coverage 60.0%, true coverage 58.9%.

ALLL / Loans
1.09%
Coverage
60.0%
True Loss Coverage
58.9%
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: 2026-05-12 19:30:55 UTC