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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 — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
89
/ 100
StrongAs of 2025-Q2QoQ -4

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

Quarterly Headline

2025-Q2

Bank #3252 2025-Q2 Vital Signs Score: 89/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.44% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2025:
↓ -4 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -17
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +1
83
Sub-score

Liquidity is strong: brokered 0.1%, loans/deposits 32.3%, cash 2.4% of assets.

Cash / Assets
2.44%
Loans / Deposits
32.26%
Brokered %
0.07%

Watch Items

  • infoCash / Assets below 3% — Cash 2.44% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 13.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
13.26%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 33.36%, CET1 33.36%, leverage 12.26%.

Tier 1 RBC
33.36%
CET1
33.36%
Leverage
12.26%
No watch items at this period.

Asset Quality

StableQoQ -17
71
Sub-score

Asset quality is stable: Adjusted NPL 1.43%, Texas Ratio 3.0%, NCO YTD 0.70%.

Adjusted NPL
1.43%
Govt-guarantees stripped
Texas Ratio
3.0%
NCO YTD
0.70%
30-89 PD
2.78%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 3.12% of loans, coverage 225.0%, true coverage 225.0%.

ALLL / Loans
3.12%
Coverage
225.0%
True Loss Coverage
225.0%
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