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 — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
88
/ 100
StrongAs of 2024-Q4QoQ 0

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

Quarterly Headline

2024-Q4

Bank #375566 2024-Q4 Vital Signs Score: 88/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (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 Q3 2024:
↓ 0 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↑ +4
  • Reserves
    ↓ -15

The five pillars

Liquidity

StableQoQ 0
74
Sub-score

Liquidity is stable: brokered 10.3%, loans/deposits 108.3%, cash 10.6% of assets.

Cash / Assets
10.63%
Loans / Deposits
108.29%
Brokered %
10.29%

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 +4
98
Sub-score

Capital position is strong: Tier 1 RBC 14.33%, CET1 14.33%, leverage 10.28%.

Tier 1 RBC
14.33%
CET1
14.33%
Leverage
10.28%
No watch items at this period.

Asset Quality

StrongQoQ +4
95
Sub-score

Asset quality is strong: Adjusted NPL 0.64%, Texas Ratio 5.1%, NCO YTD 0.26%.

Adjusted NPL
0.64%
Govt-guarantees stripped
Texas Ratio
5.1%
NCO YTD
0.26%
30-89 PD
0.55%
Band 0.3% / 3.0%
90+ PD
0.07%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -15
64
Sub-score

Reserves are stable: ALLL 0.85% of loans, coverage 134.6%, true coverage 134.6%.

ALLL / Loans
0.85%
Coverage
134.6%
True Loss Coverage
134.6%
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