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The First Central National Bank Of St Paris

IDRSSD: 538222
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
95
/ 100
StrongAs of 2025-Q1QoQ +7

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

Quarterly Headline

2025-Q1

Bank #538222 2025-Q1 Vital Signs Score: 95/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

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

What changed this quarter

Compared to Q4 2024:
↑ +7 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +39

The five pillars

Liquidity

StrongQoQ +2
98
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 74.2%, cash 11.5% of assets.

Cash / Assets
11.47%
Loans / Deposits
74.17%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 11.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
11.81%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 30.72%, CET1 30.72%, leverage 19.93%.

Tier 1 RBC
30.72%
CET1
30.72%
Leverage
19.93%
No watch items at this period.

Asset Quality

StrongQoQ +1
93
Sub-score

Asset quality is strong: Adjusted NPL 0.15%, Texas Ratio 0.4%, NCO YTD 0.00%.

Adjusted NPL
0.15%
Govt-guarantees stripped
Texas Ratio
0.4%
NCO YTD
0.00%
30-89 PD
1.35%
Band 0.3% / 3.0%
90+ PD
0.11%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +39
79
Sub-score

Reserves are stable: ALLL 0.86% of loans, coverage 597.5%, true coverage 597.5%.

ALLL / Loans
0.86%
Coverage
597.5%
True Loss Coverage
597.5%
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: 2026-05-14 23:27:11 UTC