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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-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2024-Q3QoQ +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-Q3

Bank #816256 2024-Q3 Vital Signs Score: 71/100 — 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
    ALLL / NPL below 50%
    Reserves — Coverage 37.0% (regulatory soft-warning level 50%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 37.0% (Adjusted NPL + Performing Mods denominator).
  3. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.28% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2024:
↑ +3 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +9
  • Reserves
    ↑ +4

The five pillars

Liquidity

StableQoQ +1
77
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 77.2%, cash 1.3% of assets.

Cash / Assets
1.28%
Loans / Deposits
77.20%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.28% 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 21.69%, CET1 21.69%, leverage 15.33%.

Tier 1 RBC
21.69%
CET1
21.69%
Leverage
15.33%
No watch items at this period.

Asset Quality

WatchQoQ +9
44
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.49%, Texas Ratio 13.9%, NCO YTD 0.01%.

Adjusted NPL
3.49%
Govt-guarantees stripped
Texas Ratio
13.9%
NCO YTD
0.01%
30-89 PD
2.49%
Band 0.3% / 3.0%
90+ PD
2.07%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.49% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 2.07%.

Reserves

RiskQoQ +4
29
Sub-score

Reserves are weak: ALLL 1.28% of loans, coverage 37.0%, true coverage 37.0%.

ALLL / Loans
1.28%
Coverage
37.0%
True Loss Coverage
37.0%

Watch Items

  • watchALLL / NPL below 50% — Coverage 37.0% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 37.0% (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