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The First National Bank Of Cokato

IDRSSD: 280558
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2024-Q2QoQ -6

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

Quarterly Headline

2024-Q2

Bank #280558 2024-Q2 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q1 2024:
↓ -6 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -18
  • Reserves
    ↓ -9

The five pillars

Liquidity

StrongQoQ -1
84
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 80.0%, cash 5.1% of assets.

Cash / Assets
5.10%
Loans / Deposits
80.01%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 9.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
9.47%
No watch items at this period.

Capitalization

StableQoQ -1
67
Sub-score

Capital position is stable: Tier 1 RBC 11.79%, CET1 11.79%, leverage 7.64%.

Tier 1 RBC
11.79%
CET1
11.79%
Leverage
7.64%
No watch items at this period.

Asset Quality

StableQoQ -18
79
Sub-score

Asset quality is stable: Adjusted NPL 1.19%, Texas Ratio 9.4%, NCO YTD 0.11%.

Adjusted NPL
1.19%
Govt-guarantees stripped
Texas Ratio
9.4%
NCO YTD
0.11%
30-89 PD
2.26%
Band 0.3% / 3.0%
90+ PD
0.39%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -9
85
Sub-score

Reserves are strong: ALLL 1.54% of loans, coverage 131.9%, true coverage 131.9%.

ALLL / Loans
1.54%
Coverage
131.9%
True Loss Coverage
131.9%
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: 2026-05-13 23:31:26 UTC