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The First National Bank Of Hooker

IDRSSD: 816256
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
68
/ 100
StableAs of 2024-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

2024-Q2

Bank #816256 2024-Q2 Vital Signs Score: 68/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 2.79%.
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 30.4% (regulatory soft-warning level 50%).
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 30.4% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q1 2024:
↓ -4 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -9
  • Reserves
    ↓ -6

The five pillars

Liquidity

StableQoQ -5
76
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 79.0%, cash 1.3% of assets.

Cash / Assets
1.34%
Loans / Deposits
78.95%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.34% of assets (threshold 3%).

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 21.22%, CET1 21.22%, leverage 14.83%.

Tier 1 RBC
21.22%
CET1
21.22%
Leverage
14.83%
No watch items at this period.

Asset Quality

RiskQoQ -9
35
Sub-score

Asset quality is weak: Adjusted NPL 4.20%, Texas Ratio 17.2%, NCO YTD -0.02%.

Adjusted NPL
4.20%
Govt-guarantees stripped
Texas Ratio
17.2%
NCO YTD
-0.02%
30-89 PD
4.02%
Band 0.3% / 3.0%
90+ PD
2.79%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.20% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 2.79%.

Reserves

RiskQoQ -6
26
Sub-score

Reserves are weak: ALLL 1.26% of loans, coverage 30.4%, true coverage 30.4%.

ALLL / Loans
1.26%
Coverage
30.4%
True Loss Coverage
30.4%

Watch Items

  • watchALLL / NPL below 50% — Coverage 30.4% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 30.4% (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 16:28:24 UTC