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The First National Bank And Trust Company

IDRSSD: 207845
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2025-12-31. 5 alerts active.

Summary

RSSD 207845 held $1.6B in total assets as of 2025-12-31 (+4.0% quarter-over-quarter). Total loans stood at $988.0M (-0.5% QoQ) and total deposits at $1.4B (+5.3% QoQ).

Overall position is adequate — the composite Health Score is 44/100 (Adequate). Tier 1 / RWA stands at 11.27%, in the bottom quartile of peers. Asset quality (NPL ratio) sits in the above median of peers.

5 Quarterly Anomaly Alerts fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
44/100
Adequate
Active Alerts
5
0 critical, 5 warning
Total Assets
$1.6B
+4.0% QoQ
Total Loans
$988.0M
-0.5% QoQ
Total Deposits
$1.4B
+5.3% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
11.27%
15th pctile · n=361↑ better
-47 bp QoQ
CET1 / RWA
11.27%
39th pctile · n=500↑ better
-47 bp QoQ
Total RBC / RWA
12.38%
16th pctile · n=361↑ better
-44 bp QoQ
Tier 1 Leverage Ratio
11.27%
38th pctile · n=500↑ better
-47 bp QoQ

Liquidity

Cash / Assets
10.63%
78th pctile · n=500↑ better
+860 bp QoQ
Loans / Deposits
71.26%
19th pctile · n=497↓ better
-413 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
0.39%
43th pctile · n=500↓ better
+26 bp QoQ
NPA / Assets
0.25%
39th pctile · n=500↓ better
+16 bp QoQ
Texas Ratio (regulatory)
3.00%
49th pctile · n=500↓ better
+208 bp QoQ
Net Charge-Offs / Avg Loans
0.01%
43th pctile · n=500↓ better
ALLL Coverage of NPL
305.97%
62th pctile · n=500↑ better
-63157 bp QoQ

Earnings

Net Interest Margin
3.36%
26th pctile · n=500↑ better
+32 bp QoQ
Return on Assets
-2.02%
1th pctile · n=500↑ better
-281 bp QoQ
Return on Equity
-24.89%
1th pctile · n=500↑ better
-3453 bp QoQ
Efficiency Ratio
131.34%
99th pctile · n=500↓ better
+5665 bp QoQ
Pre-tax NOI / Avg Assets
-2.59%
0th pctile · n=500↑ better
-355 bp QoQ

Funding

Brokered / Deposits
0.00%
18th pctile · n=497↓ better
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
4.43%
67th pctile · n=500↓ better
-37 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
20.98%
71th pctile · n=500↑ better
-518 bp QoQ
AFS Securities / Assets
20.43%
76th pctile · n=500↑ better
-516 bp QoQ
HTM Securities / Assets
0.55%
70th pctile · n=500↑ better
-2 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-15 05:19:44 UTC