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Fnb Community Bank

IDRSSD: 839255
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
85
/ 100
StrongAs of 2024-Q4QoQ +3

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

Quarterly Headline

2024-Q4

Bank #839255 2024-Q4 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.08% (govt-guarantees stripped).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.66% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2024:
↑ +3 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↑ +7
  • Reserves
    ↑ +11

The five pillars

Liquidity

StrongQoQ -1
84
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 67.3%, cash 2.7% of assets.

Cash / Assets
2.66%
Loans / Deposits
67.28%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.66% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.25%
No watch items at this period.

Capitalization

StrongQoQ 0
100
Sub-score

Capital position is strong: Tier 1 RBC 17.46%, CET1 17.46%, leverage 10.88%.

Tier 1 RBC
17.46%
CET1
17.46%
Leverage
10.88%
No watch items at this period.

Asset Quality

StableQoQ +7
77
Sub-score

Asset quality is stable: Adjusted NPL 3.08%, Texas Ratio 14.5%, NCO YTD 0.00%.

Adjusted NPL
3.08%
Govt-guarantees stripped
Texas Ratio
14.5%
NCO YTD
0.00%
30-89 PD
0.03%
Band 0.3% / 3.0%
90+ PD
0.21%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.08% (govt-guarantees stripped).

Reserves

StableQoQ +11
63
Sub-score

Reserves are stable: ALLL 2.40% of loans, coverage 79.7%, true coverage 79.3%.

ALLL / Loans
2.40%
Coverage
79.7%
True Loss Coverage
79.3%
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: 2026-05-15 01:40:57 UTC