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Texana Bank National Association

IDRSSD: 809650
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StrongAs of 2024-Q1QoQ 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-Q1

Bank #809650 2024-Q1 Vital Signs Score: 80/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 106.4% (threshold 100%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.75% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2023:
↑ 0 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ 0
  • Reserves
    ↑ +1

The five pillars

Liquidity

WatchQoQ -1
60
Sub-score

Liquidity is deteriorating: brokered 5.3%, loans/deposits 106.4%, cash 1.7% of assets.

Cash / Assets
1.75%
Loans / Deposits
106.41%
Brokered %
5.28%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 106.4% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.75% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.94%
No watch items at this period.

Capitalization

StableQoQ +1
62
Sub-score

Capital position is stable: Tier 1 RBC 10.35%, CET1 10.35%, leverage 8.51%.

Tier 1 RBC
10.35%
CET1
10.35%
Leverage
8.51%
No watch items at this period.

Asset Quality

StrongQoQ 0
98
Sub-score

Asset quality is strong: Adjusted NPL 0.12%, Texas Ratio 1.1%, NCO YTD 0.01%.

Adjusted NPL
0.12%
Govt-guarantees stripped
Texas Ratio
1.1%
NCO YTD
0.01%
30-89 PD
0.55%
Band 0.3% / 3.0%
90+ PD
0.06%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +1
88
Sub-score

Reserves are strong: ALLL 1.14% of loans, coverage 965.1%, true coverage 965.1%.

ALLL / Loans
1.14%
Coverage
965.1%
True Loss Coverage
965.1%
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 16:42:25 UTC