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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 — 2025-Q4

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

Synthesis

Vital Signs Score
56
/ 100
WatchAs of 2025-Q4QoQ -4

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 #441050 2025-Q4 Vital Signs Score: 56/100 — 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. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 45.2% (Adjusted NPL + Performing Mods denominator).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.58% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↓ -4 ptscomposite
  • Liquidity
    — —
  • Securities
    ↓ -18
  • Capitalization
    — —
  • Asset Quality
    ↓ -5
  • Reserves
    ↑ 0

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 27.7%, cash 25.6% of assets.

Cash / Assets
25.60%
Loans / Deposits
27.69%
Brokered %
0.00%
No watch items at this period.

Securities

RiskQoQ -18
0
Sub-score

Securities profile is weak: securities 50.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
50.37%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 15.55%.

Tier 1 RBC
—
CET1
0.00%
Leverage
15.55%

Watch Items

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

Asset Quality

StableQoQ -5
72
Sub-score

Asset quality is stable: Adjusted NPL 2.58%, Texas Ratio 3.8%, NCO YTD -0.09%.

Adjusted NPL
2.58%
Govt-guarantees stripped
Texas Ratio
3.8%
NCO YTD
-0.09%
30-89 PD
1.58%
Band 0.3% / 3.0%
90+ PD
0.34%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.58% (govt-guarantees stripped).

Reserves

RiskQoQ 0
33
Sub-score

Reserves are weak: ALLL 1.28% of loans, coverage 50.3%, true coverage 45.2%.

ALLL / Loans
1.28%
Coverage
50.3%
True Loss Coverage
45.2%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 45.2% (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