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First National Bank

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

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StrongAs of 2025-Q4QoQ -13

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

Quarterly Headline

2025-Q4

Bank #195456 2025-Q4 Vital Signs Score: 80/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    ALLL / NPL below 50%
    Reserves — Coverage 42.1% (regulatory soft-warning level 50%).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 42.1% (Adjusted NPL + Performing Mods denominator).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.76% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↓ -13 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↓ -18
  • Reserves
    ↓ -41

The five pillars

Liquidity

StrongQoQ -4
93
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 82.5%, cash 9.9% of assets.

Cash / Assets
9.87%
Loans / Deposits
82.52%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.91%
No watch items at this period.

Capitalization

StrongQoQ -5
95
Sub-score

Capital position is strong: Tier 1 RBC 14.19%, CET1 14.19%, leverage 9.21%.

Tier 1 RBC
14.19%
CET1
14.19%
Leverage
9.21%
No watch items at this period.

Asset Quality

StableQoQ -18
76
Sub-score

Asset quality is stable: Adjusted NPL 2.76%, Texas Ratio 19.1%, NCO YTD -0.02%.

Adjusted NPL
2.76%
Govt-guarantees stripped
Texas Ratio
19.1%
NCO YTD
-0.02%
30-89 PD
0.81%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.76% (govt-guarantees stripped).

Reserves

RiskQoQ -41
27
Sub-score

Reserves are weak: ALLL 1.15% of loans, coverage 42.1%, true coverage 42.1%.

ALLL / Loans
1.15%
Coverage
42.1%
True Loss Coverage
42.1%

Watch Items

  • infoALLL / NPL below 50% — Coverage 42.1% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 42.1% (Adjusted NPL + Performing Mods denominator).

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