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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 — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2025-Q1QoQ -9

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

Quarterly Headline

2025-Q1

Bank #773171 2025-Q1 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Uninsured deposits above 50%
    Liquidity — Uninsured 146.9% of deposits (threshold 50%).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 49.4% (Adjusted NPL + Performing Mods denominator).
  3. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.72% of loans.

What changed this quarter

Compared to Q4 2024:
↓ -9 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -10
  • Reserves
    ↓ -42

The five pillars

Liquidity

StableQoQ 0
74
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 82.1%, cash 12.8% of assets.

Cash / Assets
12.82%
Loans / Deposits
82.15%
Brokered %
0.00%

Watch Items

  • riskUninsured deposits above 50% — Uninsured 146.9% 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
8.51%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 25.36%, CET1 25.36%, leverage 13.08%.

Tier 1 RBC
25.36%
CET1
25.36%
Leverage
13.08%
No watch items at this period.

Asset Quality

StableQoQ -10
79
Sub-score

Asset quality is stable: Adjusted NPL 1.37%, Texas Ratio 6.8%, NCO YTD -0.02%.

Adjusted NPL
1.37%
Govt-guarantees stripped
Texas Ratio
6.8%
NCO YTD
-0.02%
30-89 PD
1.21%
Band 0.3% / 3.0%
90+ PD
0.97%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -42
17
Sub-score

Reserves are weak: ALLL 0.72% of loans, coverage 53.2%, true coverage 49.4%.

ALLL / Loans
0.72%
Coverage
53.2%
True Loss Coverage
49.4%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 49.4% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.72% 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