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The First National Bank Of Ava

IDRSSD: 858443
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
94
/ 100
StrongAs of 2023-Q4QoQ +30

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 #858443 2023-Q4 Vital Signs Score: 94/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (strong).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.11% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2023:
↑ +30 ptscomposite
  • Liquidity
    ↑ +9
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +90
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +9
82
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 50.3%, cash 2.1% of assets.

Cash / Assets
2.11%
Loans / Deposits
50.28%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.11% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 20.96%, CET1 20.96%, leverage 13.38%.

Tier 1 RBC
20.96%
CET1
20.96%
Leverage
13.38%
No watch items at this period.

Asset Quality

StrongQoQ +90
90
Sub-score

Asset quality is strong: Adjusted NPL 0.98%, Texas Ratio 3.1%, NCO YTD -1.46%.

Adjusted NPL
0.98%
Govt-guarantees stripped
Texas Ratio
3.1%
NCO YTD
-1.46%
30-89 PD
1.16%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 2.29% of loans, coverage 238.9%, true coverage 238.9%.

ALLL / Loans
2.29%
Coverage
238.9%
True Loss Coverage
238.9%
No watch items at this period.

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: 2026-05-15 08:34:23 UTC