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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 — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2025-Q1QoQ +9

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

Quarterly Headline

2025-Q1

Bank #816256 2025-Q1 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.30%.
  2. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.10% of loans.

What changed this quarter

Compared to Q4 2024:
↑ +9 ptscomposite
  • Liquidity
    ↑ +13
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +10
  • Reserves
    ↑ +22

The five pillars

Liquidity

StrongQoQ +13
95
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 70.6%, cash 7.7% of assets.

Cash / Assets
7.73%
Loans / Deposits
70.59%
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 23.31%, CET1 23.31%, leverage 15.34%.

Tier 1 RBC
23.31%
CET1
23.31%
Leverage
15.34%
No watch items at this period.

Asset Quality

WatchQoQ +10
52
Sub-score

Asset quality is deteriorating: Adjusted NPL 1.95%, Texas Ratio 7.2%, NCO YTD 1.10%.

Adjusted NPL
1.95%
Govt-guarantees stripped
Texas Ratio
7.2%
NCO YTD
1.10%
30-89 PD
3.20%
Band 0.3% / 3.0%
90+ PD
1.30%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.30%.
  • infoNet charge-offs elevated — NCO YTD 1.10% of loans.

Reserves

WatchQoQ +22
51
Sub-score

Reserves are deteriorating: ALLL 1.33% of loans, coverage 69.4%, true coverage 69.4%.

ALLL / Loans
1.33%
Coverage
69.4%
True Loss Coverage
69.4%
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 16:28:24 UTC