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First Naturalstate Bank

IDRSSD: 78241
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 1 alert active.

Summary

RSSD 78241 held $103.5M in total assets as of 2026-03-31 (+1.2% quarter-over-quarter). Total loans stood at $81.7M (+1.4% QoQ) and total deposits at $87.8M (+4.8% QoQ).

Overall position is adequate — the composite Health Score is 53/100 (Adequate). Tier 1 / RWA stands at 24.39%, in the top quartile of peers. Asset quality (NPL ratio) sits in the below median of peers.

1 Quarterly Anomaly Alert fired this quarter, including 1 critical-severity row. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
53/100
Adequate
Active Alerts
1
1 critical, 0 warning
Total Assets
$103.5M
+1.2% QoQ
Total Loans
$81.7M
+1.4% QoQ
Total Deposits
$87.8M
+4.8% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
24.39%
76th pctile · n=218↑ better
-199 bp QoQ
CET1 / RWA
24.39%
90th pctile · n=500↑ better
-200 bp QoQ
Total RBC / RWA
25.65%
76th pctile · n=218↑ better
-199 bp QoQ
Tier 1 Leverage Ratio
24.39%
89th pctile · n=500↑ better
-200 bp QoQ

Liquidity

Cash / Assets
3.40%
31th pctile · n=500↑ better
-42 bp QoQ
Loans / Deposits
92.97%
84th pctile · n=494↓ better
-315 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
0.59%
59th pctile · n=500↓ better
+4 bp QoQ
NPA / Assets
0.47%
62th pctile · n=500↓ better
-18 bp QoQ
Texas Ratio (regulatory)
2.80%
58th pctile · n=500↓ better
-108 bp QoQ
Net Charge-Offs / Avg Loans
0.00%
47th pctile · n=500↓ better
+9 bp QoQ
ALLL Coverage of NPL
284.57%
71th pctile · n=500↑ better
-2552 bp QoQ

Earnings

Net Interest Margin
4.18%
66th pctile · n=500↑ better
-14 bp QoQ
Return on Assets
0.92%
41th pctile · n=500↑ better
+30 bp QoQ
Return on Equity
6.25%
31th pctile · n=500↑ better
+199 bp QoQ
Efficiency Ratio
70.50%
56th pctile · n=500↓ better
-177 bp QoQ
Pre-tax NOI / Avg Assets
1.21%
50th pctile · n=500↑ better
+22 bp QoQ

Funding

Brokered / Deposits
0.00%
36th pctile · n=494↓ better
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
0.00%
31th pctile · n=500↓ better

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
13.72%
36th pctile · n=500↑ better
-82 bp QoQ
AFS Securities / Assets
13.72%
42th pctile · n=500↑ better
-82 bp QoQ
HTM Securities / Assets
0.00%
36th pctile · n=500↑ better

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-12 21:54:22 UTC