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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-Q3

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

Synthesis

Vital Signs Score
87
/ 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 #355858 2024-Q3 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (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 4.36% of loans.
  2. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 103.2% (threshold 100%).

What changed this quarter

Compared to Q2 2024:
↓ -1 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -1
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -5
72
Sub-score

Liquidity is stable: brokered 0.3%, loans/deposits 103.2%, cash 5.2% of assets.

Cash / Assets
5.16%
Loans / Deposits
103.16%
Brokered %
0.34%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 103.2% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.21%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 27.66%, CET1 24.94%, leverage 23.07%.

Tier 1 RBC
27.66%
CET1
24.94%
Leverage
23.07%
No watch items at this period.

Asset Quality

StableQoQ -1
69
Sub-score

Asset quality is stable: Adjusted NPL 1.38%, Texas Ratio 3.6%, NCO YTD 4.36%.

Adjusted NPL
1.38%
Govt-guarantees stripped
Texas Ratio
3.6%
NCO YTD
4.36%
30-89 PD
1.33%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 4.36% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 6.30% of loans, coverage 487.4%, true coverage 414.8%.

ALLL / Loans
6.30%
Coverage
487.4%
True Loss Coverage
414.8%
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