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First National Bank

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

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
88
/ 100
StrongAs of 2025-Q1QoQ 0

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

Quarterly Headline

2025-Q1

Bank #355858 2025-Q1 Vital Signs Score: 88/100 — 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 4.53% of loans.
  2. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 102.8% (threshold 100%).

What changed this quarter

Compared to Q4 2024:
↑ 0 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +1
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +1
76
Sub-score

Liquidity is stable: brokered 0.3%, loans/deposits 102.8%, cash 6.9% of assets.

Cash / Assets
6.89%
Loans / Deposits
102.79%
Brokered %
0.34%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 102.8% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.95%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 28.69%, CET1 25.99%, leverage 23.75%.

Tier 1 RBC
28.69%
CET1
25.99%
Leverage
23.75%
No watch items at this period.

Asset Quality

StableQoQ +1
71
Sub-score

Asset quality is stable: Adjusted NPL 1.43%, Texas Ratio 3.8%, NCO YTD 4.53%.

Adjusted NPL
1.43%
Govt-guarantees stripped
Texas Ratio
3.8%
NCO YTD
4.53%
30-89 PD
1.01%
Band 0.3% / 3.0%
90+ PD
0.17%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 4.53% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 5.86% of loans, coverage 436.7%, true coverage 372.7%.

ALLL / Loans
5.86%
Coverage
436.7%
True Loss Coverage
372.7%
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