Visbanking Logo
Skip to main content

Fnb Community Bank

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

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
90
/ 100
StrongAs of 2026-Q1QoQ +4

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

Quarterly Headline

2026-Q1

Bank #839255 2026-Q1 Vital Signs Score: 90/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.73% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2025:
↑ +4 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +7
  • Reserves
    ↑ +11

The five pillars

Liquidity

StrongQoQ +3
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 62.8%, cash 10.9% of assets.

Cash / Assets
10.86%
Loans / Deposits
62.78%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.13%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 17.35%, CET1 17.35%, leverage 10.47%.

Tier 1 RBC
17.35%
CET1
17.35%
Leverage
10.47%
No watch items at this period.

Asset Quality

StrongQoQ +7
81
Sub-score

Asset quality is strong: Adjusted NPL 2.73%, Texas Ratio 13.0%, NCO YTD 0.00%.

Adjusted NPL
2.73%
Govt-guarantees stripped
Texas Ratio
13.0%
NCO YTD
0.00%
30-89 PD
0.02%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.73% (govt-guarantees stripped).

Reserves

StableQoQ +11
63
Sub-score

Reserves are stable: ALLL 2.11% of loans, coverage 78.8%, true coverage 78.4%.

ALLL / Loans
2.11%
Coverage
78.8%
True Loss Coverage
78.4%
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