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First National Bank

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

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
91
/ 100
StrongAs of 2026-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

2026-Q1

Bank #355858 2026-Q1 Vital Signs Score: 91/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 3.73% of loans.

What changed this quarter

Compared to Q4 2025:
↓ 0 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +4
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -4
84
Sub-score

Liquidity is strong: brokered 0.3%, loans/deposits 95.0%, cash 8.7% of assets.

Cash / Assets
8.70%
Loans / Deposits
95.03%
Brokered %
0.26%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.71%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 26.31%, CET1 23.95%, leverage 20.62%.

Tier 1 RBC
26.31%
CET1
23.95%
Leverage
20.62%
No watch items at this period.

Asset Quality

StableQoQ +4
77
Sub-score

Asset quality is stable: Adjusted NPL 0.86%, Texas Ratio 2.5%, NCO YTD 3.73%.

Adjusted NPL
0.86%
Govt-guarantees stripped
Texas Ratio
2.5%
NCO YTD
3.73%
30-89 PD
0.85%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 3.73% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 5.01% of loans, coverage 613.8%, true coverage 507.1%.

ALLL / Loans
5.01%
Coverage
613.8%
True Loss Coverage
507.1%
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