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Mid Central National Bank

IDRSSD: 773171
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
89
/ 100
StrongAs of 2024-Q2QoQ +4

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

Quarterly Headline

2024-Q2

Bank #773171 2024-Q2 Vital Signs Score: 89/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. risk
    Uninsured deposits above 50%
    Liquidity — Uninsured 138.6% of deposits (threshold 50%).
  2. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.66% of loans.

What changed this quarter

Compared to Q1 2024:
↑ +4 ptscomposite
  • Liquidity
    ↓ -21
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +11
  • Reserves
    ↑ +36

The five pillars

Liquidity

StableQoQ -21
69
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 81.2%, cash 7.4% of assets.

Cash / Assets
7.39%
Loans / Deposits
81.20%
Brokered %
0.00%

Watch Items

  • riskUninsured deposits above 50% — Uninsured 138.6% of deposits (threshold 50%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 13.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
13.62%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 30.69%, CET1 30.69%, leverage 15.47%.

Tier 1 RBC
30.69%
CET1
30.69%
Leverage
15.47%
No watch items at this period.

Asset Quality

StrongQoQ +11
97
Sub-score

Asset quality is strong: Adjusted NPL 0.20%, Texas Ratio 0.8%, NCO YTD 0.09%.

Adjusted NPL
0.20%
Govt-guarantees stripped
Texas Ratio
0.8%
NCO YTD
0.09%
30-89 PD
0.78%
Band 0.3% / 3.0%
90+ PD
0.15%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +36
72
Sub-score

Reserves are stable: ALLL 0.66% of loans, coverage 338.3%, true coverage 105.3%.

ALLL / Loans
0.66%
Coverage
338.3%
True Loss Coverage
105.3%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.66% of loans.

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: 2026-05-13 09:40:24 UTC