Visbanking Logo
Skip to main content

The First National Bank Of Hebbronville

IDRSSD: 173959
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
73
/ 100
StableAs of 2025-Q4QoQ -13

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

Quarterly Headline

2025-Q4

Bank #173959 2025-Q4 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.68%.
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 46.1% (regulatory soft-warning level 50%).
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 46.1% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2025:
↓ -13 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -21
  • Reserves
    ↓ -54

The five pillars

Liquidity

StableQoQ 0
79
Sub-score

Liquidity is stable: brokered 8.4%, loans/deposits 31.6%, cash 3.3% of assets.

Cash / Assets
3.26%
Loans / Deposits
31.64%
Brokered %
8.36%
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 45.55%, CET1 45.55%, leverage 16.52%.

Tier 1 RBC
45.55%
CET1
45.55%
Leverage
16.52%
No watch items at this period.

Asset Quality

WatchQoQ -21
59
Sub-score

Asset quality is deteriorating: Adjusted NPL 1.72%, Texas Ratio 2.7%, NCO YTD 0.13%.

Adjusted NPL
1.72%
Govt-guarantees stripped
Texas Ratio
2.7%
NCO YTD
0.13%
30-89 PD
3.54%
Band 0.3% / 3.0%
90+ PD
1.68%
Band 0.1% / 2.0%

Watch Items

  • watch90+ days past due elevated — 90+ PD 1.68%.

Reserves

RiskQoQ -54
17
Sub-score

Reserves are weak: ALLL 0.79% of loans, coverage 46.1%, true coverage 46.1%.

ALLL / Loans
0.79%
Coverage
46.1%
True Loss Coverage
46.1%

Watch Items

  • infoALLL / NPL below 50% — Coverage 46.1% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 46.1% (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: 2026-05-13 10:24:04 UTC