Visbanking Logo
Skip to main content

The Falls City National Bank

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

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
60
/ 100
StableAs of 2025-Q2QoQ -3

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

Quarterly Headline

2025-Q2

Bank #441050 2025-Q2 Vital Signs Score: 60/100 — overall stable. 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%).

What changed this quarter

Compared to Q1 2025:
↓ -3 ptscomposite
  • Liquidity
    — —
  • Securities
    ↓ -11
  • Capitalization
    — —
  • Asset Quality
    ↓ -6
  • Reserves
    ↓ -2

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 28.8%, cash 31.1% of assets.

Cash / Assets
31.14%
Loans / Deposits
28.79%
Brokered %
0.00%
No watch items at this period.

Securities

RiskQoQ -11
20
Sub-score

Securities profile is weak: securities 43.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
43.94%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 15.49%.

Tier 1 RBC
—
CET1
0.00%
Leverage
15.49%

Watch Items

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

Asset Quality

StableQoQ -6
76
Sub-score

Asset quality is stable: Adjusted NPL 1.99%, Texas Ratio 3.1%, NCO YTD 0.00%.

Adjusted NPL
1.99%
Govt-guarantees stripped
Texas Ratio
3.1%
NCO YTD
0.00%
30-89 PD
2.12%
Band 0.3% / 3.0%
90+ PD
0.04%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -2
39
Sub-score

Reserves are weak: ALLL 1.26% of loans, coverage 64.1%, true coverage 51.4%.

ALLL / Loans
1.26%
Coverage
64.1%
True Loss Coverage
51.4%
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 10:07:23 UTC