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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-Q4

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

Synthesis

Vital Signs Score
76
/ 100
StableAs 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 #773171 2025-Q4 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Uninsured deposits above 50%
    Liquidity — Uninsured 151.1% of deposits (threshold 50%).

What changed this quarter

Compared to Q3 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -4

The five pillars

Liquidity

WatchQoQ -3
56
Sub-score

Liquidity is deteriorating: brokered 0.0%, loans/deposits 94.7%, cash 4.6% of assets.

Cash / Assets
4.62%
Loans / Deposits
94.74%
Brokered %
0.00%

Watch Items

  • riskUninsured deposits above 50% — Uninsured 151.1% of deposits (threshold 50%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 9.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
9.89%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 23.60%, CET1 23.60%, leverage 13.93%.

Tier 1 RBC
23.60%
CET1
23.60%
Leverage
13.93%
No watch items at this period.

Asset Quality

StrongQoQ -2
86
Sub-score

Asset quality is strong: Adjusted NPL 1.21%, Texas Ratio 6.4%, NCO YTD 0.06%.

Adjusted NPL
1.21%
Govt-guarantees stripped
Texas Ratio
6.4%
NCO YTD
0.06%
30-89 PD
1.60%
Band 0.3% / 3.0%
90+ PD
0.04%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -4
22
Sub-score

Reserves are weak: ALLL 0.76% of loans, coverage 62.7%, true coverage 53.2%.

ALLL / Loans
0.76%
Coverage
62.7%
True Loss Coverage
53.2%
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: 2026-05-13 09:40:24 UTC