Visbanking Logo
Skip to main content

First National Bank

IDRSSD: 375566
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
87
/ 100
StrongAs of 2023-Q4QoQ -3

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

Quarterly Headline

2023-Q4

Bank #375566 2023-Q4 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 104.0% (threshold 100%).

What changed this quarter

Compared to Q3 2023:
↓ -3 ptscomposite
  • Liquidity
    ↓ -16
  • Securities
    — —
  • Capitalization
    ↑ +13
  • Asset Quality
    ↓ -5
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -16
77
Sub-score

Liquidity is stable: brokered 9.7%, loans/deposits 104.0%, cash 10.7% of assets.

Cash / Assets
10.69%
Loans / Deposits
103.96%
Brokered %
9.74%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 104.0% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.05%
No watch items at this period.

Capitalization

StrongQoQ +13
85
Sub-score

Capital position is strong: Tier 1 RBC 12.16%, CET1 12.16%, leverage 9.67%.

Tier 1 RBC
12.16%
CET1
12.16%
Leverage
9.67%
No watch items at this period.

Asset Quality

StrongQoQ -5
95
Sub-score

Asset quality is strong: Adjusted NPL 0.25%, Texas Ratio 2.2%, NCO YTD 0.39%.

Adjusted NPL
0.25%
Govt-guarantees stripped
Texas Ratio
2.2%
NCO YTD
0.39%
30-89 PD
0.74%
Band 0.3% / 3.0%
90+ PD
0.08%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Stable
78
Sub-score

Reserves are stable: ALLL 0.85% of loans, coverage 339.0%, true coverage 339.0%.

ALLL / Loans
0.85%
Coverage
339.0%
True Loss Coverage
339.0%
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: 2026-05-15 05:44:40 UTC