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The First National Bank Of Dighton

IDRSSD: 636753
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StrongAs of 2024-Q3QoQ -2

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

Quarterly Headline

2024-Q3

Bank #636753 2024-Q3 Vital Signs Score: 80/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.02% (govt-guarantees stripped).
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 41.5% (regulatory soft-warning level 50%).
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 41.5% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q2 2024:
↓ -2 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -6
  • Reserves
    ↓ -2

The five pillars

Liquidity

StrongQoQ 0
86
Sub-score

Liquidity is strong: brokered 16.4%, loans/deposits 76.8%, cash 10.5% of assets.

Cash / Assets
10.54%
Loans / Deposits
76.75%
Brokered %
16.37%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.47%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 23.53%, CET1 23.53%, leverage 17.02%.

Tier 1 RBC
23.53%
CET1
23.53%
Leverage
17.02%
No watch items at this period.

Asset Quality

StableQoQ -6
74
Sub-score

Asset quality is stable: Adjusted NPL 3.02%, Texas Ratio 10.2%, NCO YTD 0.10%.

Adjusted NPL
3.02%
Govt-guarantees stripped
Texas Ratio
10.2%
NCO YTD
0.10%
30-89 PD
0.78%
Band 0.3% / 3.0%
90+ PD
0.32%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.02% (govt-guarantees stripped).

Reserves

RiskQoQ -2
30
Sub-score

Reserves are weak: ALLL 1.24% of loans, coverage 41.5%, true coverage 41.5%.

ALLL / Loans
1.24%
Coverage
41.5%
True Loss Coverage
41.5%

Watch Items

  • infoALLL / NPL below 50% — Coverage 41.5% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 41.5% (Adjusted NPL + Performing Mods denominator).

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 19:30:37 UTC