Visbanking Logo
Skip to main content

First National Bank

IDRSSD: 371755
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
58
/ 100
WatchAs of 2024-Q3QoQ -12

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 #371755 2024-Q3 Vital Signs Score: 58/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Strong
Securities:Strong
Capitalization:Watch
Asset Quality:Watch
Reserves:Risk

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 24.7% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 24.7% (Adjusted NPL + Performing Mods denominator).
  3. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).

What changed this quarter

Compared to Q2 2024:
↓ -12 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↓ -35
  • Reserves
    ↓ -20

The five pillars

Liquidity

StrongQoQ -1
84
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 50.8%, cash 2.6% of assets.

Cash / Assets
2.64%
Loans / Deposits
50.75%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.64% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.54%
No watch items at this period.

Capitalization

WatchQoQ 0
49
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.88%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.88%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

WatchQoQ -35
44
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.33%, Texas Ratio 19.4%, NCO YTD 0.50%.

Adjusted NPL
4.33%
Govt-guarantees stripped
Texas Ratio
19.4%
NCO YTD
0.50%
30-89 PD
0.80%
Band 0.3% / 3.0%
90+ PD
3.82%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.33% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 3.82%.

Reserves

RiskQoQ -20
19
Sub-score

Reserves are weak: ALLL 1.06% of loans, coverage 24.7%, true coverage 24.7%.

ALLL / Loans
1.06%
Coverage
24.7%
True Loss Coverage
24.7%

Watch Items

  • riskALLL / NPL below 50% — Coverage 24.7% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 24.7% (Adjusted NPL + Performing Mods denominator).

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: 2026-05-15 05:43:19 UTC