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First Texoma National Bank

IDRSSD: 388155
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2025-Q2QoQ +11

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

Quarterly Headline

2025-Q2

Bank #388155 2025-Q2 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.30% (govt-guarantees stripped).
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 42.6% (regulatory soft-warning level 50%).
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 42.6% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q1 2025:
↑ +11 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    ↑ +50
  • Asset Quality
    ↓ -3
  • Reserves
    ↑ 0

The five pillars

Liquidity

StrongQoQ -5
83
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 73.6%, cash 3.3% of assets.

Cash / Assets
3.33%
Loans / Deposits
73.59%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.45%
No watch items at this period.

Capitalization

StrongQoQ +50
100
Sub-score

Capital position is strong: Tier 1 RBC 16.71%, CET1 16.71%, leverage 11.45%.

Tier 1 RBC
16.71%
CET1
16.71%
Leverage
11.45%
No watch items at this period.

Asset Quality

StableQoQ -3
67
Sub-score

Asset quality is stable: Adjusted NPL 3.30%, Texas Ratio 17.6%, NCO YTD 0.42%.

Adjusted NPL
3.30%
Govt-guarantees stripped
Texas Ratio
17.6%
NCO YTD
0.42%
30-89 PD
1.20%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.30% (govt-guarantees stripped).

Reserves

RiskQoQ 0
35
Sub-score

Reserves are weak: ALLL 1.39% of loans, coverage 42.6%, true coverage 42.6%.

ALLL / Loans
1.39%
Coverage
42.6%
True Loss Coverage
42.6%

Watch Items

  • infoALLL / NPL below 50% — Coverage 42.6% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 42.6% (Adjusted NPL + Performing Mods denominator).

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 16:39:07 UTC