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Fnbc Bank

IDRSSD: 100843
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
86
/ 100
StrongAs of 2023-Q4QoQ -1

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

Quarterly Headline

2023-Q4

Bank #100843 2023-Q4 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 2.13% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2023:
↓ -1 ptscomposite
  • Liquidity
    ↓ -7
  • Securities
    — —
  • Capitalization
    ↓ -6
  • Asset Quality
    — —
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -7
69
Sub-score

Liquidity is stable: brokered 8.5%, loans/deposits 85.5%, cash 2.1% of assets.

Cash / Assets
2.13%
Loans / Deposits
85.50%
Brokered %
8.50%

Watch Items

  • infoCash / Assets below 3% — Cash 2.13% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.81%
No watch items at this period.

Capitalization

StableQoQ -6
69
Sub-score

Capital position is stable: Tier 1 RBC 11.09%, CET1 11.09%, leverage 8.52%.

Tier 1 RBC
11.09%
CET1
11.09%
Leverage
8.52%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.31%, Texas Ratio 2.0%, NCO YTD 0.10%.

Adjusted NPL
0.31%
Govt-guarantees stripped
Texas Ratio
2.0%
NCO YTD
0.10%
30-89 PD
0.28%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 1.97% of loans, coverage 652.7%, true coverage 631.2%.

ALLL / Loans
1.97%
Coverage
652.7%
True Loss Coverage
631.2%
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: 2026-05-14 14:04:30 UTC