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The First National Bank In Cooper

IDRSSD: 767152
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 767152 held $58.2M in total assets as of 2026-03-31 (+5.1% quarter-over-quarter). Total loans stood at $31.5M (-0.7% QoQ) and total deposits at $50.5M (+5.5% QoQ).

Overall position is adequate — the composite Health Score is 41/100 (Adequate). Tier 1 capital data is unavailable for this period. Asset quality (NPL ratio) sits in the bottom quartile 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
41/100
Adequate
Active Alerts
2
1 critical, 1 warning
Total Assets
$58.2M
+5.1% QoQ
Total Loans
$31.5M
-0.7% QoQ
Total Deposits
$50.5M
+5.5% 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%
26th pctile · n=376↑ better
Total RBC / RWA
—
data pending↑ better
Tier 1 Leverage Ratio
0.00%
26th pctile · n=376↑ better

Liquidity

Cash / Assets
0.00%
7th pctile · n=376↑ better
Loans / Deposits
62.25%
46th pctile · n=366↓ better
-383 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
1.36%
76th pctile · n=376↓ better
-14 bp QoQ
NPA / Assets
0.74%
74th pctile · n=376↓ better
-12 bp QoQ
Texas Ratio (regulatory)
5.49%
73th pctile · n=376↓ better
-71 bp QoQ
Net Charge-Offs / Avg Loans
0.00%
45th pctile · n=376↓ better
ALLL Coverage of NPL
56.48%
48th pctile · n=376↑ better
+554 bp QoQ

Earnings

Net Interest Margin
3.13%
17th pctile · n=376↑ better
-24 bp QoQ
Return on Assets
0.97%
49th pctile · n=376↑ better
+10 bp QoQ
Return on Equity
7.50%
47th pctile · n=376↑ better
+102 bp QoQ
Efficiency Ratio
64.27%
35th pctile · n=376↓ better
-431 bp QoQ
Pre-tax NOI / Avg Assets
1.19%
53th pctile · n=376↑ better
+7 bp QoQ

Funding

Brokered / Deposits
0.00%
40th pctile · n=366↓ better
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
0.00%
38th pctile · n=376↓ better

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
19.66%
43th pctile · n=376↑ better
-100 bp QoQ
AFS Securities / Assets
19.66%
53th pctile · n=376↑ better
-100 bp QoQ
HTM Securities / Assets
0.00%
36th pctile · n=376↑ 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 09:59:32 UTC