Visbanking Logo
Skip to main content

First National Bank Of Dublin

IDRSSD: 648550
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 1 alert active.

Summary

RSSD 648550 held $133.5M in total assets as of 2026-03-31 (+0.1% quarter-over-quarter). Total loans stood at $94.0M (+1.4% QoQ) and total deposits at $116.5M (-0.3% QoQ).

Overall position is adequate — the composite Health Score is 63/100 (Adequate). Tier 1 / RWA stands at 16.65%, in the below median of peers. Asset quality (NPL ratio) sits in the above median of peers.

1 Quarterly Anomaly Alert fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
63/100
Adequate
Active Alerts
1
0 critical, 1 warning
Total Assets
$133.5M
+0.1% QoQ
Total Loans
$94.0M
+1.4% QoQ
Total Deposits
$116.5M
-0.3% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
16.65%
49th pctile · n=213↑ better
+79 bp QoQ
CET1 / RWA
16.65%
78th pctile · n=500↑ better
+80 bp QoQ
Total RBC / RWA
17.90%
50th pctile · n=213↑ better
+79 bp QoQ
Tier 1 Leverage Ratio
16.65%
78th pctile · n=500↑ better
+80 bp QoQ

Liquidity

Cash / Assets
22.15%
94th pctile · n=500↑ better
-218 bp QoQ
Loans / Deposits
80.64%
65th pctile · n=492↓ better
+135 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
0.13%
37th pctile · n=500↓ better
-3 bp QoQ
NPA / Assets
0.09%
35th pctile · n=500↓ better
-2 bp QoQ
Texas Ratio (regulatory)
0.66%
34th pctile · n=500↓ better
-18 bp QoQ
Net Charge-Offs / Avg Loans
0.44%
93th pctile · n=500↓ better
+39 bp QoQ
ALLL Coverage of NPL
1407.38%
91th pctile · n=500↑ better
+22843 bp QoQ

Earnings

Net Interest Margin
6.73%
99th pctile · n=500↑ better
+86 bp QoQ
Return on Assets
2.38%
94th pctile · n=500↑ better
+56 bp QoQ
Return on Equity
19.28%
90th pctile · n=500↑ better
+411 bp QoQ
Efficiency Ratio
60.52%
34th pctile · n=500↓ better
-917 bp QoQ
Pre-tax NOI / Avg Assets
2.38%
91th pctile · n=500↑ better
+56 bp QoQ

Funding

Brokered / Deposits
0.00%
34th pctile · n=492↓ better
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
0.00%
29th pctile · n=500↓ better

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
3.91%
13th pctile · n=500↑ better
+126 bp QoQ
AFS Securities / Assets
3.88%
21th pctile · n=500↑ better
+123 bp QoQ
HTM Securities / Assets
0.00%
36th pctile · n=500↑ better

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-13 04:17:15 UTC