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The Falls City National Bank

IDRSSD: 441050
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
52
/ 100
WatchAs of 2023-Q4QoQ -31

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

Quarterly Headline

2023-Q4

Bank #441050 2023-Q4 Vital Signs Score: 52/100 — overall watch. Strongest pillar: Liquidity (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 30.3% (Adjusted NPL + Performing Mods denominator).
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 32.6% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q3 2023:
↓ -31 ptscomposite
  • Liquidity
    — —
  • Securities
    ↑ +7
  • Capitalization
    ↓ -50
  • Asset Quality
    ↓ -40
  • Reserves
    — —

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 28.6%, cash 27.8% of assets.

Cash / Assets
27.80%
Loans / Deposits
28.60%
Brokered %
0.00%
No watch items at this period.

Securities

RiskQoQ +7
11
Sub-score

Securities profile is weak: securities 46.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
46.62%
No watch items at this period.

Capitalization

WatchQoQ -50
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 13.29%.

Tier 1 RBC
—
CET1
0.00%
Leverage
13.29%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StableQoQ -40
60
Sub-score

Asset quality is stable: Adjusted NPL 3.08%, Texas Ratio 5.8%, NCO YTD 0.56%.

Adjusted NPL
3.08%
Govt-guarantees stripped
Texas Ratio
5.8%
NCO YTD
0.56%
30-89 PD
2.05%
Band 0.3% / 3.0%
90+ PD
0.45%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.08% (govt-guarantees stripped).

Reserves

Risk
17
Sub-score

Reserves are weak: ALLL 0.99% of loans, coverage 32.6%, true coverage 30.3%.

ALLL / Loans
0.99%
Coverage
32.6%
True Loss Coverage
30.3%

Watch Items

  • watchALLL / NPL below 50% — Coverage 32.6% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 30.3% (Adjusted NPL + Performing Mods denominator).

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 10:07:23 UTC