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The First National Bank Of Gordon

IDRSSD: 3252
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
93
/ 100
StrongAs of 2024-Q2QoQ +3

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 #3252 2024-Q2 Vital Signs Score: 93/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (strong).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.36% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2024:
↑ +3 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    ↑ +7
  • Capitalization
    — —
  • Asset Quality
    ↑ +9
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -1
82
Sub-score

Liquidity is strong: brokered 2.1%, loans/deposits 43.0%, cash 2.4% of assets.

Cash / Assets
2.36%
Loans / Deposits
42.98%
Brokered %
2.15%

Watch Items

  • infoCash / Assets below 3% — Cash 2.36% of assets (threshold 3%).

Securities

StrongQoQ +7
100
Sub-score

Securities profile is strong: securities 17.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
17.64%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 29.55%, CET1 29.55%, leverage 12.46%.

Tier 1 RBC
29.55%
CET1
29.55%
Leverage
12.46%
No watch items at this period.

Asset Quality

StrongQoQ +9
88
Sub-score

Asset quality is strong: Adjusted NPL 0.68%, Texas Ratio 1.8%, NCO YTD 0.10%.

Adjusted NPL
0.68%
Govt-guarantees stripped
Texas Ratio
1.8%
NCO YTD
0.10%
30-89 PD
1.90%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 2.92% of loans, coverage 445.7%, true coverage 445.7%.

ALLL / Loans
2.92%
Coverage
445.7%
True Loss Coverage
445.7%
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 02:06:46 UTC