Visbanking Logo
Skip to main content

The First National Bank And Trust Company Of Miami

IDRSSD: 837158
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
78
/ 100
StableAs of 2023-Q4QoQ -12

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 #837158 2023-Q4 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).

What changed this quarter

Compared to Q3 2023:
↓ -12 ptscomposite
  • Liquidity
    — —
  • Securities
    ↓ -5
  • Capitalization
    ↓ -40
  • Asset Quality
    ↓ -3
  • Reserves
    — —

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 51.3%, cash 14.8% of assets.

Cash / Assets
14.77%
Loans / Deposits
51.26%
Brokered %
0.00%
No watch items at this period.

Securities

WatchQoQ -5
55
Sub-score

Securities profile is deteriorating: securities 33.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
33.39%
No watch items at this period.

Capitalization

WatchQoQ -40
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.96%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.96%

Watch Items

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

Asset Quality

StrongQoQ -3
97
Sub-score

Asset quality is strong: Adjusted NPL 0.06%, Texas Ratio 0.2%, NCO YTD 0.24%.

Adjusted NPL
0.06%
Govt-guarantees stripped
Texas Ratio
0.2%
NCO YTD
0.24%
30-89 PD
0.64%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
90
Sub-score

Reserves are strong: ALLL 1.20% of loans, coverage 2146.4%, true coverage 2146.4%.

ALLL / Loans
1.20%
Coverage
2146.4%
True Loss Coverage
2146.4%
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 16:32:13 UTC