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The First National Bank Of Elmer

IDRSSD: 609010
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2025-Q1QoQ -11

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

Quarterly Headline

2025-Q1

Bank #609010 2025-Q1 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.58%.

What changed this quarter

Compared to Q4 2024:
↓ -11 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -22
  • Reserves
    ↓ -37

The five pillars

Liquidity

StrongQoQ -1
83
Sub-score

Liquidity is strong: brokered 1.4%, loans/deposits 91.4%, cash 7.7% of assets.

Cash / Assets
7.74%
Loans / Deposits
91.41%
Brokered %
1.45%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.51%
No watch items at this period.

Capitalization

StrongQoQ +2
89
Sub-score

Capital position is strong: Tier 1 RBC 12.96%, CET1 12.96%, leverage 9.90%.

Tier 1 RBC
12.96%
CET1
12.96%
Leverage
9.90%
No watch items at this period.

Asset Quality

StableQoQ -22
77
Sub-score

Asset quality is stable: Adjusted NPL 1.58%, Texas Ratio 11.9%, NCO YTD 0.06%.

Adjusted NPL
1.58%
Govt-guarantees stripped
Texas Ratio
11.9%
NCO YTD
0.06%
30-89 PD
0.11%
Band 0.3% / 3.0%
90+ PD
1.58%
Band 0.1% / 2.0%

Watch Items

  • watch90+ days past due elevated — 90+ PD 1.58%.

Reserves

WatchQoQ -37
56
Sub-score

Reserves are deteriorating: ALLL 1.26% of loans, coverage 80.6%, true coverage 80.2%.

ALLL / Loans
1.26%
Coverage
80.6%
True Loss Coverage
80.2%
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: 2026-05-14 13:30:18 UTC