Visbanking Logo
Skip to main content

Texas National Bank

IDRSSD: 497954
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
96
/ 100
StrongAs of 2024-Q3QoQ -2

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

Quarterly Headline

2024-Q3

Bank #497954 2024-Q3 Vital Signs Score: 96/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (strong).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q2 2024:
↓ -2 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -6
  • Reserves
    ↑ 0

The five pillars

Liquidity

StrongQoQ -3
95
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 79.6%, cash 10.7% of assets.

Cash / Assets
10.68%
Loans / Deposits
79.59%
Brokered %
0.03%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 9.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
9.17%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 14.95%, CET1 14.95%, leverage 10.83%.

Tier 1 RBC
14.95%
CET1
14.95%
Leverage
10.83%
No watch items at this period.

Asset Quality

StrongQoQ -6
90
Sub-score

Asset quality is strong: Adjusted NPL 0.62%, Texas Ratio 3.6%, NCO YTD 0.03%.

Adjusted NPL
0.62%
Govt-guarantees stripped
Texas Ratio
3.6%
NCO YTD
0.03%
30-89 PD
1.64%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ 0
98
Sub-score

Reserves are strong: ALLL 1.44% of loans, coverage 235.8%, true coverage 235.8%.

ALLL / Loans
1.44%
Coverage
235.8%
True Loss Coverage
235.8%
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 11:26:25 UTC