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First National Bank

IDRSSD: 195456
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
91
/ 100
StrongAs of 2024-Q3QoQ -1

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

Quarterly Headline

2024-Q3

Bank #195456 2024-Q3 Vital Signs Score: 91/100 — 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

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

What changed this quarter

Compared to Q2 2024:
↓ -1 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +7
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -12

The five pillars

Liquidity

StrongQoQ +1
93
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 84.2%, cash 10.6% of assets.

Cash / Assets
10.65%
Loans / Deposits
84.19%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.38%
No watch items at this period.

Capitalization

StrongQoQ +7
99
Sub-score

Capital position is strong: Tier 1 RBC 14.80%, CET1 14.80%, leverage 9.81%.

Tier 1 RBC
14.80%
CET1
14.80%
Leverage
9.81%
No watch items at this period.

Asset Quality

StrongQoQ -3
94
Sub-score

Asset quality is strong: Adjusted NPL 1.20%, Texas Ratio 8.4%, NCO YTD 0.06%.

Adjusted NPL
1.20%
Govt-guarantees stripped
Texas Ratio
8.4%
NCO YTD
0.06%
30-89 PD
0.28%
Band 0.3% / 3.0%
90+ PD
0.05%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -12
62
Sub-score

Reserves are stable: ALLL 1.13% of loans, coverage 95.3%, true coverage 95.3%.

ALLL / Loans
1.13%
Coverage
95.3%
True Loss Coverage
95.3%
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: 2026-05-13 16:26:48 UTC