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The First National Bank In Marlow

IDRSSD: 17259
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
80
/ 100
StrongAs of 2023-Q4QoQ -6

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 #17259 2023-Q4 Vital Signs Score: 80/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. watch
    FHLB advances elevated
    Liquidity — FHLB advances 14.6% (threshold 10%).
  2. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.44% of loans.

What changed this quarter

Compared to Q3 2023:
↓ -6 ptscomposite
  • Liquidity
    ↓ -24
  • Securities
    — —
  • Capitalization
    ↑ +8
  • Asset Quality
    ↓ -1
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -24
64
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 82.0%, cash 5.1% of assets.

Cash / Assets
5.11%
Loans / Deposits
81.96%
Brokered %
0.00%

Watch Items

  • watchFHLB advances elevated — FHLB advances 14.6% (threshold 10%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.16%
No watch items at this period.

Capitalization

StableQoQ +8
72
Sub-score

Capital position is stable: Tier 1 RBC 11.76%, CET1 11.76%, leverage 7.87%.

Tier 1 RBC
11.76%
CET1
11.76%
Leverage
7.87%
No watch items at this period.

Asset Quality

StrongQoQ -1
99
Sub-score

Asset quality is strong: Adjusted NPL 0.08%, Texas Ratio 0.7%, NCO YTD 0.06%.

Adjusted NPL
0.08%
Govt-guarantees stripped
Texas Ratio
0.7%
NCO YTD
0.06%
30-89 PD
0.53%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Stable
67
Sub-score

Reserves are stable: ALLL 0.44% of loans, coverage 530.8%, true coverage 492.9%.

ALLL / Loans
0.44%
Coverage
530.8%
True Loss Coverage
492.9%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.44% of loans.

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 03:58:01 UTC