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First National Bank Of Scotia

IDRSSD: 472616
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2025-Q2QoQ +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-Q2

Bank #472616 2025-Q2 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

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

What changed this quarter

Compared to Q1 2025:
↑ +1 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↑ +2
  • Reserves
    ↓ -1

The five pillars

Liquidity

StrongQoQ 0
94
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 82.6%, cash 11.2% of assets.

Cash / Assets
11.22%
Loans / Deposits
82.62%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.30%
No watch items at this period.

Capitalization

StrongQoQ +2
83
Sub-score

Capital position is strong: Tier 1 RBC 12.80%, CET1 12.80%, leverage 8.89%.

Tier 1 RBC
12.80%
CET1
12.80%
Leverage
8.89%
No watch items at this period.

Asset Quality

StrongQoQ +2
90
Sub-score

Asset quality is strong: Adjusted NPL 1.40%, Texas Ratio 10.4%, NCO YTD 0.10%.

Adjusted NPL
1.40%
Govt-guarantees stripped
Texas Ratio
10.4%
NCO YTD
0.10%
30-89 PD
0.59%
Band 0.3% / 3.0%
90+ PD
0.10%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -1
48
Sub-score

Reserves are deteriorating: ALLL 1.07% of loans, coverage 77.7%, true coverage 77.5%.

ALLL / Loans
1.07%
Coverage
77.7%
True Loss Coverage
77.5%
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 10:33:27 UTC