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The First National Bank Of Hebbronville

IDRSSD: 173959
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
86
/ 100
StrongAs of 2023-Q4QoQ -8

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 #173959 2023-Q4 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q3 2023:
↓ -8 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -22
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +2
86
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 36.0%, cash 3.5% of assets.

Cash / Assets
3.53%
Loans / Deposits
36.01%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 45.26%, CET1 45.26%, leverage 19.37%.

Tier 1 RBC
45.26%
CET1
45.26%
Leverage
19.37%
No watch items at this period.

Asset Quality

StableQoQ -22
72
Sub-score

Asset quality is stable: Adjusted NPL 0.90%, Texas Ratio 1.4%, NCO YTD 0.41%.

Adjusted NPL
0.90%
Govt-guarantees stripped
Texas Ratio
1.4%
NCO YTD
0.41%
30-89 PD
5.05%
Band 0.3% / 3.0%
90+ PD
0.70%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Stable
72
Sub-score

Reserves are stable: ALLL 1.13% of loans, coverage 127.5%, true coverage 127.5%.

ALLL / Loans
1.13%
Coverage
127.5%
True Loss Coverage
127.5%
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: 2026-05-13 10:24:04 UTC