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Fnbc Bank

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

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
85
/ 100
StrongAs of 2025-Q4QoQ +2

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

Quarterly Headline

2025-Q4

Bank #100843 2025-Q4 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.88% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↑ +2 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↑ +6
  • Reserves
    ↑ +12

The five pillars

Liquidity

StableQoQ 0
66
Sub-score

Liquidity is stable: brokered 13.8%, loans/deposits 84.4%, cash 1.9% of assets.

Cash / Assets
1.88%
Loans / Deposits
84.38%
Brokered %
13.80%

Watch Items

  • watchCash / Assets below 3% — Cash 1.88% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.67%
No watch items at this period.

Capitalization

StableQoQ -4
71
Sub-score

Capital position is stable: Tier 1 RBC 11.51%, CET1 11.51%, leverage 9.12%.

Tier 1 RBC
11.51%
CET1
11.51%
Leverage
9.12%
No watch items at this period.

Asset Quality

StrongQoQ +6
98
Sub-score

Asset quality is strong: Adjusted NPL 0.64%, Texas Ratio 4.2%, NCO YTD 0.09%.

Adjusted NPL
0.64%
Govt-guarantees stripped
Texas Ratio
4.2%
NCO YTD
0.09%
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

StrongQoQ +12
100
Sub-score

Reserves are strong: ALLL 1.90% of loans, coverage 303.0%, true coverage 302.3%.

ALLL / Loans
1.90%
Coverage
303.0%
True Loss Coverage
302.3%
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: 2026-05-14 14:04:30 UTC