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First National Bank

IDRSSD: 944355
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
86
/ 100
StrongAs of 2025-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

2025-Q3

Bank #944355 2025-Q3 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (watch).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 5.38% of loans.
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.74% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↑ +1 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -1
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +4
82
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 87.3%, cash 5.8% of assets.

Cash / Assets
5.85%
Loans / Deposits
87.26%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.49%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 19.27%, CET1 16.79%, leverage 15.76%.

Tier 1 RBC
19.27%
CET1
16.79%
Leverage
15.76%
No watch items at this period.

Asset Quality

WatchQoQ -1
58
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.74%, Texas Ratio 9.2%, NCO YTD 5.38%.

Adjusted NPL
2.74%
Govt-guarantees stripped
Texas Ratio
9.2%
NCO YTD
5.38%
30-89 PD
1.36%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.74% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 5.38% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 7.15% of loans, coverage 281.1%, true coverage 230.7%.

ALLL / Loans
7.15%
Coverage
281.1%
True Loss Coverage
230.7%
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: 2026-05-13 03:55:05 UTC