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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-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2024-Q4QoQ 0

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

Quarterly Headline

2024-Q4

Bank #816256 2024-Q4 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    ALLL / NPL below 50%
    Reserves — Coverage 33.8% (regulatory soft-warning level 50%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 33.8% (Adjusted NPL + Performing Mods denominator).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.89% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2024:
↑ 0 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -1

The five pillars

Liquidity

StrongQoQ +4
81
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 74.9%, cash 2.8% of assets.

Cash / Assets
2.78%
Loans / Deposits
74.94%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.78% 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 22.26%, CET1 22.26%, leverage 15.46%.

Tier 1 RBC
22.26%
CET1
22.26%
Leverage
15.46%
No watch items at this period.

Asset Quality

WatchQoQ -3
41
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.89%, Texas Ratio 15.0%, NCO YTD 0.01%.

Adjusted NPL
3.89%
Govt-guarantees stripped
Texas Ratio
15.0%
NCO YTD
0.01%
30-89 PD
2.35%
Band 0.3% / 3.0%
90+ PD
2.45%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.89% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 2.45%.

Reserves

RiskQoQ -1
28
Sub-score

Reserves are weak: ALLL 1.30% of loans, coverage 33.8%, true coverage 33.8%.

ALLL / Loans
1.30%
Coverage
33.8%
True Loss Coverage
33.8%

Watch Items

  • watchALLL / NPL below 50% — Coverage 33.8% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 33.8% (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