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First National Bank

IDRSSD: 355858
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
88
/ 100
StrongAs of 2024-Q1QoQ +2

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

Quarterly Headline

2024-Q1

Bank #355858 2024-Q1 Vital Signs Score: 88/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 5.44% of loans.
  2. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 101.0% (threshold 100%).

What changed this quarter

Compared to Q4 2023:
↑ +2 ptscomposite
  • Liquidity
    ↑ +5
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +3
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +5
69
Sub-score

Liquidity is stable: brokered 1.3%, loans/deposits 101.0%, cash 3.5% of assets.

Cash / Assets
3.51%
Loans / Deposits
101.02%
Brokered %
1.31%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 101.0% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.64%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 26.71%, CET1 24.00%, leverage 22.62%.

Tier 1 RBC
26.71%
CET1
24.00%
Leverage
22.62%
No watch items at this period.

Asset Quality

StableQoQ +3
76
Sub-score

Asset quality is stable: Adjusted NPL 0.61%, Texas Ratio 1.7%, NCO YTD 5.44%.

Adjusted NPL
0.61%
Govt-guarantees stripped
Texas Ratio
1.7%
NCO YTD
5.44%
30-89 PD
1.22%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 5.44% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 6.22% of loans, coverage 1090.5%, true coverage 767.4%.

ALLL / Loans
6.22%
Coverage
1090.5%
True Loss Coverage
767.4%
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 19:44:31 UTC