Visbanking Logo
Skip to main content

Fnb Bank Inc

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

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
86
/ 100
StrongAs of 2024-Q3QoQ +2

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

Quarterly Headline

2024-Q3

Bank #400141 2024-Q3 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.12% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2024:
↑ +2 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↑ +5
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ 0
77
Sub-score

Liquidity is stable: brokered 1.8%, loans/deposits 77.9%, cash 2.1% of assets.

Cash / Assets
2.12%
Loans / Deposits
77.91%
Brokered %
1.84%

Watch Items

  • infoCash / Assets below 3% — Cash 2.12% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.30%
No watch items at this period.

Capitalization

StableQoQ +4
62
Sub-score

Capital position is stable: Tier 1 RBC 11.01%, CET1 11.01%, leverage 8.24%.

Tier 1 RBC
11.01%
CET1
11.01%
Leverage
8.24%
No watch items at this period.

Asset Quality

StrongQoQ +5
99
Sub-score

Asset quality is strong: Adjusted NPL 0.24%, Texas Ratio 1.8%, NCO YTD 0.03%.

Adjusted NPL
0.24%
Govt-guarantees stripped
Texas Ratio
1.8%
NCO YTD
0.03%
30-89 PD
0.33%
Band 0.3% / 3.0%
90+ PD
0.18%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 1.70% of loans, coverage 715.8%, true coverage 141.8%.

ALLL / Loans
1.70%
Coverage
715.8%
True Loss Coverage
141.8%
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