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Fnb Bank Inc

IDRSSD: 400141
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2023-Q4QoQ -1

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

Quarterly Headline

2023-Q4

Bank #400141 2023-Q4 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.88% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2023:
↓ -1 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↓ -13
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +4
81
Sub-score

Liquidity is strong: brokered 1.3%, loans/deposits 74.2%, cash 2.9% of assets.

Cash / Assets
2.88%
Loans / Deposits
74.17%
Brokered %
1.32%

Watch Items

  • infoCash / Assets below 3% — Cash 2.88% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.86%
No watch items at this period.

Capitalization

StableQoQ -4
60
Sub-score

Capital position is stable: Tier 1 RBC 10.41%, CET1 10.41%, leverage 8.17%.

Tier 1 RBC
10.41%
CET1
10.41%
Leverage
8.17%
No watch items at this period.

Asset Quality

StrongQoQ -13
87
Sub-score

Asset quality is strong: Adjusted NPL 0.90%, Texas Ratio 6.7%, NCO YTD 0.04%.

Adjusted NPL
0.90%
Govt-guarantees stripped
Texas Ratio
6.7%
NCO YTD
0.04%
30-89 PD
0.83%
Band 0.3% / 3.0%
90+ PD
0.83%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 1.74% of loans, coverage 197.9%, true coverage 193.9%.

ALLL / Loans
1.74%
Coverage
197.9%
True Loss Coverage
193.9%
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 04:30:57 UTC