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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 — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
50
/ 100
WatchAs of 2026-Q1QoQ -6

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

Quarterly Headline

2026-Q1

Bank #938354 2026-Q1 Vital Signs Score: 50/100 — overall watch. Strongest pillar: Liquidity (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 9.92% (govt-guarantees stripped).
  2. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  3. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.50%.

What changed this quarter

Compared to Q4 2025:
↓ -6 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -31

The five pillars

Liquidity

StrongQoQ -3
90
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 44.5%, cash 5.3% of assets.

Cash / Assets
5.31%
Loans / Deposits
44.47%
Brokered %
0.00%
No watch items at this period.

Securities

Risk
0
Sub-score

Securities profile is weak: securities 63.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
63.78%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 37.26%.

Tier 1 RBC
—
CET1
0.00%
Leverage
37.26%

Watch Items

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

Asset Quality

WatchQoQ -3
54
Sub-score

Asset quality is deteriorating: Adjusted NPL 9.92%, Texas Ratio 6.7%, NCO YTD 0.00%.

Adjusted NPL
9.92%
Govt-guarantees stripped
Texas Ratio
6.7%
NCO YTD
0.00%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
1.50%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 9.92% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.50%.

Reserves

RiskQoQ -31
39
Sub-score

Reserves are weak: ALLL 4.02% of loans, coverage 42.2%, true coverage 42.2%.

ALLL / Loans
4.02%
Coverage
42.2%
True Loss Coverage
42.2%

Watch Items

  • infoALLL / NPL below 50% — Coverage 42.2% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 42.2% (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: 2026-05-14 00:05:46 UTC