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First National Bank Of Nokomis

IDRSSD: 330248
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
88
/ 100
StrongAs of 2023-Q4QoQ -9

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

Quarterly Headline

2023-Q4

Bank #330248 2023-Q4 Vital Signs Score: 88/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.13%.

What changed this quarter

Compared to Q3 2023:
↓ -9 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -17
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +2
90
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 56.1%, cash 5.4% of assets.

Cash / Assets
5.43%
Loans / Deposits
56.12%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.81%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 18.02%, CET1 18.02%, leverage 10.47%.

Tier 1 RBC
18.02%
CET1
18.02%
Leverage
10.47%
No watch items at this period.

Asset Quality

StrongQoQ -17
83
Sub-score

Asset quality is strong: Adjusted NPL 1.34%, Texas Ratio 6.0%, NCO YTD -0.01%.

Adjusted NPL
1.34%
Govt-guarantees stripped
Texas Ratio
6.0%
NCO YTD
-0.01%
30-89 PD
0.46%
Band 0.3% / 3.0%
90+ PD
1.13%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.13%.

Reserves

Stable
66
Sub-score

Reserves are stable: ALLL 1.25% of loans, coverage 94.6%, true coverage 94.6%.

ALLL / Loans
1.25%
Coverage
94.6%
True Loss Coverage
94.6%
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: 2026-05-15 01:26:20 UTC