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First National Bank Of Decatur County

IDRSSD: 3232370
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
80
/ 100
StrongAs of 2025-Q3QoQ 0

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 #3232370 2025-Q3 Vital Signs Score: 80/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q2 2025:
↑ 0 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    ↑ +7
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ 0

The five pillars

Liquidity

StableQoQ -5
71
Sub-score

Liquidity is stable: brokered 20.1%, loans/deposits 77.3%, cash 4.5% of assets.

Cash / Assets
4.48%
Loans / Deposits
77.30%
Brokered %
20.15%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.17%
No watch items at this period.

Capitalization

WatchQoQ +7
56
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.80%, CET1 10.80%, leverage 7.57%.

Tier 1 RBC
10.80%
CET1
10.80%
Leverage
7.57%
No watch items at this period.

Asset Quality

StrongQoQ -1
98
Sub-score

Asset quality is strong: Adjusted NPL 0.47%, Texas Ratio 4.1%, NCO YTD 0.02%.

Adjusted NPL
0.47%
Govt-guarantees stripped
Texas Ratio
4.1%
NCO YTD
0.02%
30-89 PD
0.56%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ 0
83
Sub-score

Reserves are strong: ALLL 0.99% of loans, coverage 210.5%, true coverage 210.5%.

ALLL / Loans
0.99%
Coverage
210.5%
True Loss Coverage
210.5%
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: 2026-05-14 04:14:18 UTC