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First National Bank

IDRSSD: 375566
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
88
/ 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 #375566 2024-Q3 Vital Signs Score: 88/100 — 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. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 108.3% (threshold 100%).

What changed this quarter

Compared to Q2 2024:
↓ -1 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ -5
  • Reserves
    ↑ 0

The five pillars

Liquidity

StableQoQ -1
74
Sub-score

Liquidity is stable: brokered 10.9%, loans/deposits 108.3%, cash 10.6% of assets.

Cash / Assets
10.59%
Loans / Deposits
108.34%
Brokered %
10.88%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 108.3% (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
0.03%
No watch items at this period.

Capitalization

StrongQoQ +3
95
Sub-score

Capital position is strong: Tier 1 RBC 13.66%, CET1 13.66%, leverage 9.99%.

Tier 1 RBC
13.66%
CET1
13.66%
Leverage
9.99%
No watch items at this period.

Asset Quality

StrongQoQ -5
92
Sub-score

Asset quality is strong: Adjusted NPL 0.40%, Texas Ratio 3.4%, NCO YTD 0.07%.

Adjusted NPL
0.40%
Govt-guarantees stripped
Texas Ratio
3.4%
NCO YTD
0.07%
30-89 PD
1.61%
Band 0.3% / 3.0%
90+ PD
0.05%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ 0
79
Sub-score

Reserves are stable: ALLL 0.88% of loans, coverage 220.5%, true coverage 220.5%.

ALLL / Loans
0.88%
Coverage
220.5%
True Loss Coverage
220.5%
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