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Fnb Community Bank

IDRSSD: 839255
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
88
/ 100
StrongAs of 2025-Q2QoQ +3

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 #839255 2025-Q2 Vital Signs Score: 88/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.11% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2025:
↑ +3 ptscomposite
  • Liquidity
    ↑ +7
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +9
  • Reserves
    ↓ -4

The five pillars

Liquidity

StrongQoQ +7
99
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 61.3%, cash 9.6% of assets.

Cash / Assets
9.62%
Loans / Deposits
61.31%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.18%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 18.07%, CET1 18.07%, leverage 10.53%.

Tier 1 RBC
18.07%
CET1
18.07%
Leverage
10.53%
No watch items at this period.

Asset Quality

StableQoQ +9
76
Sub-score

Asset quality is stable: Adjusted NPL 3.11%, Texas Ratio 14.2%, NCO YTD 0.01%.

Adjusted NPL
3.11%
Govt-guarantees stripped
Texas Ratio
14.2%
NCO YTD
0.01%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.20%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.11% (govt-guarantees stripped).

Reserves

WatchQoQ -4
58
Sub-score

Reserves are deteriorating: ALLL 2.18% of loans, coverage 71.7%, true coverage 71.2%.

ALLL / Loans
2.18%
Coverage
71.7%
True Loss Coverage
71.2%
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