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Fnb Bank

IDRSSD: 805250
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
74
/ 100
StableAs of 2024-Q1QoQ -17

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

Quarterly Headline

2024-Q1

Bank #805250 2024-Q1 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 4.10%.
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 34.8% (regulatory soft-warning level 50%).
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 34.8% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q4 2023:
↓ -17 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -28
  • Reserves
    ↓ -63

The five pillars

Liquidity

StrongQoQ -3
81
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 72.9%, cash 2.1% of assets.

Cash / Assets
2.07%
Loans / Deposits
72.92%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.07% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 14.67%, CET1 14.67%, leverage 10.44%.

Tier 1 RBC
14.67%
CET1
14.67%
Leverage
10.44%
No watch items at this period.

Asset Quality

WatchQoQ -28
50
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.28%, Texas Ratio 23.0%, NCO YTD -0.07%.

Adjusted NPL
4.28%
Govt-guarantees stripped
Texas Ratio
23.0%
NCO YTD
-0.07%
30-89 PD
0.38%
Band 0.3% / 3.0%
90+ PD
4.10%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.28% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 4.10%.

Reserves

RiskQoQ -63
35
Sub-score

Reserves are weak: ALLL 1.47% of loans, coverage 34.8%, true coverage 34.8%.

ALLL / Loans
1.47%
Coverage
34.8%
True Loss Coverage
34.8%

Watch Items

  • watchALLL / NPL below 50% — Coverage 34.8% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 34.8% (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 19:20:46 UTC