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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-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
86
/ 100
StrongAs of 2024-Q4QoQ 0

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

Quarterly Headline

2024-Q4

Bank #773171 2024-Q4 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    Uninsured deposits above 50%
    Liquidity — Uninsured 147.5% of deposits (threshold 50%).
  2. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.69% of loans.

What changed this quarter

Compared to Q3 2024:
↓ 0 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -2
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ 0
74
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 82.1%, cash 12.6% of assets.

Cash / Assets
12.64%
Loans / Deposits
82.06%
Brokered %
0.00%

Watch Items

  • riskUninsured deposits above 50% — Uninsured 147.5% of deposits (threshold 50%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 8.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
8.50%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 30.82%, CET1 30.82%, leverage 15.65%.

Tier 1 RBC
30.82%
CET1
30.82%
Leverage
15.65%
No watch items at this period.

Asset Quality

StrongQoQ -2
89
Sub-score

Asset quality is strong: Adjusted NPL 0.50%, Texas Ratio 2.1%, NCO YTD 0.02%.

Adjusted NPL
0.50%
Govt-guarantees stripped
Texas Ratio
2.1%
NCO YTD
0.02%
30-89 PD
2.03%
Band 0.3% / 3.0%
90+ PD
0.08%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +1
59
Sub-score

Reserves are deteriorating: ALLL 0.69% of loans, coverage 138.7%, true coverage 119.3%.

ALLL / Loans
0.69%
Coverage
138.7%
True Loss Coverage
119.3%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.69% 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