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First National Bank

IDRSSD: 2490285
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2025-Q3QoQ -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-Q3

Bank #2490285 2025-Q3 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

  1. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 2.03%.
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.35% of assets (threshold 3%).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.37% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↓ -13 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -37
  • Reserves
    ↓ -22

The five pillars

Liquidity

StrongQoQ -1
83
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 41.0%, cash 2.4% of assets.

Cash / Assets
2.35%
Loans / Deposits
40.96%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.35% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 21.83%, CET1 21.83%, leverage 10.09%.

Tier 1 RBC
21.83%
CET1
21.83%
Leverage
10.09%
No watch items at this period.

Asset Quality

StableQoQ -37
61
Sub-score

Asset quality is stable: Adjusted NPL 2.37%, Texas Ratio 8.2%, NCO YTD -0.36%.

Adjusted NPL
2.37%
Govt-guarantees stripped
Texas Ratio
8.2%
NCO YTD
-0.36%
30-89 PD
1.35%
Band 0.3% / 3.0%
90+ PD
2.03%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.37% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 2.03%.

Reserves

StableQoQ -22
78
Sub-score

Reserves are stable: ALLL 2.32% of loans, coverage 100.6%, true coverage 100.6%.

ALLL / Loans
2.32%
Coverage
100.6%
True Loss Coverage
100.6%
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: 2026-05-13 14:05:18 UTC