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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 — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
69
/ 100
StableAs of 2024-Q4QoQ -10

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q4

Bank #17259 2024-Q4 Vital Signs Score: 69/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.52% of loans.
  2. info
    FHLB advances elevated
    Liquidity — FHLB advances 11.6% (threshold 10%).

What changed this quarter

Compared to Q3 2024:
↓ -10 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -4
  • Reserves
    ↓ -50

The five pillars

Liquidity

StableQoQ -5
65
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 83.7%, cash 4.1% of assets.

Cash / Assets
4.13%
Loans / Deposits
83.65%
Brokered %
0.00%

Watch Items

  • infoFHLB advances elevated — FHLB advances 11.6% (threshold 10%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.02%
No watch items at this period.

Capitalization

StableQoQ -1
69
Sub-score

Capital position is stable: Tier 1 RBC 12.03%, CET1 12.03%, leverage 8.08%.

Tier 1 RBC
12.03%
CET1
12.03%
Leverage
8.08%
No watch items at this period.

Asset Quality

StrongQoQ -4
92
Sub-score

Asset quality is strong: Adjusted NPL 0.00%, Texas Ratio 0.0%, NCO YTD 0.28%.

Adjusted NPL
0.00%
Govt-guarantees stripped
Texas Ratio
0.0%
NCO YTD
0.28%
30-89 PD
1.28%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -50
2
Sub-score

Reserves are weak: ALLL 0.52% of loans.

ALLL / Loans
0.52%
Coverage
—
True Loss Coverage
—

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.52% 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