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The First National Bank Of Fairfax

IDRSSD: 938354
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
67
/ 100
StableAs of 2023-Q4QoQ -15

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 #938354 2023-Q4 Vital Signs Score: 67/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.45% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2023:
↓ -15 ptscomposite
  • Liquidity
    ↑ +8
  • Securities
    ↑ +12
  • Capitalization
    ↓ -50
  • Asset Quality
    ↓ -21
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +8
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 61.7%, cash 12.9% of assets.

Cash / Assets
12.94%
Loans / Deposits
61.66%
Brokered %
0.00%
No watch items at this period.

Securities

RiskQoQ +12
21
Sub-score

Securities profile is weak: securities 43.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
43.80%
No watch items at this period.

Capitalization

WatchQoQ -50
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 35.19%.

Tier 1 RBC
—
CET1
0.00%
Leverage
35.19%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StableQoQ -21
79
Sub-score

Asset quality is stable: Adjusted NPL 2.45%, Texas Ratio 2.7%, NCO YTD 0.66%.

Adjusted NPL
2.45%
Govt-guarantees stripped
Texas Ratio
2.7%
NCO YTD
0.66%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.45% (govt-guarantees stripped).

Reserves

Stable
80
Sub-score

Reserves are stable: ALLL 2.58% of loans, coverage 108.1%, true coverage 108.1%.

ALLL / Loans
2.58%
Coverage
108.1%
True Loss Coverage
108.1%
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 00:05:46 UTC