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First National Bank Texas

IDRSSD: 613950
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2024-Q1QoQ +9

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

Quarterly Headline

2024-Q1

Bank #613950 2024-Q1 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.52%.
  2. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.20% of loans.

What changed this quarter

Compared to Q4 2023:
↑ +9 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↑ +24
  • Reserves
    ↑ +22

The five pillars

Liquidity

StrongQoQ +1
98
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 49.8%, cash 14.7% of assets.

Cash / Assets
14.68%
Loans / Deposits
49.81%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 6.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
6.59%
No watch items at this period.

Capitalization

StrongQoQ 0
95
Sub-score

Capital position is strong: Tier 1 RBC 21.76%, CET1 21.76%, leverage 9.08%.

Tier 1 RBC
21.76%
CET1
21.76%
Leverage
9.08%
No watch items at this period.

Asset Quality

WatchQoQ +24
59
Sub-score

Asset quality is deteriorating: Adjusted NPL 1.83%, Texas Ratio 8.0%, NCO YTD 1.20%.

Adjusted NPL
1.83%
Govt-guarantees stripped
Texas Ratio
8.0%
NCO YTD
1.20%
30-89 PD
1.51%
Band 0.3% / 3.0%
90+ PD
1.52%
Band 0.1% / 2.0%

Watch Items

  • watch90+ days past due elevated — 90+ PD 1.52%.
  • infoNet charge-offs elevated — NCO YTD 1.20% of loans.

Reserves

WatchQoQ +22
55
Sub-score

Reserves are deteriorating: ALLL 1.34% of loans, coverage 74.3%, true coverage 74.3%.

ALLL / Loans
1.34%
Coverage
74.3%
True Loss Coverage
74.3%
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: 2026-05-14 07:40:00 UTC