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First National Community Bank

IDRSSD: 23755
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2025-Q1QoQ 0

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

Quarterly Headline

2025-Q1

Bank #23755 2025-Q1 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q4 2024:
↓ 0 ptscomposite
  • Liquidity
    ↑ +8
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -8

The five pillars

Liquidity

StrongQoQ +8
95
Sub-score

Liquidity is strong: brokered 3.5%, loans/deposits 66.7%, cash 9.0% of assets.

Cash / Assets
8.98%
Loans / Deposits
66.71%
Brokered %
3.52%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 11.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
11.08%
No watch items at this period.

Capitalization

StrongQoQ -2
90
Sub-score

Capital position is strong: Tier 1 RBC 13.73%, CET1 13.73%, leverage 8.95%.

Tier 1 RBC
13.73%
CET1
13.73%
Leverage
8.95%
No watch items at this period.

Asset Quality

StrongQoQ -1
90
Sub-score

Asset quality is strong: Adjusted NPL 1.50%, Texas Ratio 9.6%, NCO YTD 0.14%.

Adjusted NPL
1.50%
Govt-guarantees stripped
Texas Ratio
9.6%
NCO YTD
0.14%
30-89 PD
0.40%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -8
32
Sub-score

Reserves are weak: ALLL 0.92% of loans, coverage 62.3%, true coverage 62.3%.

ALLL / Loans
0.92%
Coverage
62.3%
True Loss Coverage
62.3%
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 02:02:50 UTC