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The First National Bank And Trust

IDRSSD: 114457
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 2026-03-31. 2 alerts active.

Summary

RSSD 114457 held $293.7M in total assets as of 2026-03-31 (-0.2% quarter-over-quarter). Total loans stood at $157.8M (-1.7% QoQ) and total deposits at $263.9M (-0.1% QoQ).

Overall position is adequate — the composite Health Score is 63/100 (Adequate). Tier 1 capital data is unavailable for this period. Asset quality (NPL ratio) sits in the below median of peers.

2 Quarterly Anomaly Alerts fired this quarter, including 1 critical-severity row. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
63/100
Adequate
Active Alerts
2
1 critical, 1 warning
Total Assets
$293.7M
-0.2% QoQ
Total Loans
$157.8M
-1.7% QoQ
Total Deposits
$263.9M
-0.1% 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
—
data pending↑ better
CET1 / RWA
0.00%
24th pctile · n=500↑ better
Total RBC / RWA
—
data pending↑ better
Tier 1 Leverage Ratio
0.00%
24th pctile · n=500↑ better

Liquidity

Cash / Assets
7.38%
57th pctile · n=500↑ better
+141 bp QoQ
Loans / Deposits
59.78%
19th pctile · n=493↓ better
-93 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
0.95%
72th pctile · n=500↓ better
-72 bp QoQ
NPA / Assets
0.57%
67th pctile · n=500↓ better
-47 bp QoQ
Texas Ratio (regulatory)
3.85%
60th pctile · n=500↓ better
-324 bp QoQ
Net Charge-Offs / Avg Loans
-0.09%
3th pctile · n=500↓ better
-8 bp QoQ
ALLL Coverage of NPL
201.44%
58th pctile · n=500↑ better
+8939 bp QoQ

Earnings

Net Interest Margin
3.88%
49th pctile · n=500↑ better
-17 bp QoQ
Return on Assets
2.09%
88th pctile · n=500↑ better
+14 bp QoQ
Return on Equity
21.94%
92th pctile · n=500↑ better
+105 bp QoQ
Efficiency Ratio
50.23%
16th pctile · n=500↓ better
-410 bp QoQ
Pre-tax NOI / Avg Assets
2.09%
81th pctile · n=500↑ better
+14 bp QoQ

Funding

Brokered / Deposits
0.00%
28th pctile · n=493↓ better
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
0.00%
25th pctile · n=500↓ better

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
36.32%
87th pctile · n=500↑ better
-38 bp QoQ
AFS Securities / Assets
36.32%
91th pctile · n=500↑ better
-38 bp QoQ
HTM Securities / Assets
0.00%
36th pctile · n=500↑ better

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: 2026-05-13 16:24:05 UTC