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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-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2025-Q2QoQ 0

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

Quarterly Headline

2025-Q2

Bank #816256 2025-Q2 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.68% of assets (threshold 3%).
  2. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.11%.
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.07% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2025:
↓ 0 ptscomposite
  • Liquidity
    ↓ -15
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +14
  • Reserves
    ↓ -5

The five pillars

Liquidity

StableQoQ -15
80
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 73.2%, cash 1.7% of assets.

Cash / Assets
1.68%
Loans / Deposits
73.18%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.68% 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 22.91%, CET1 22.91%, leverage 15.57%.

Tier 1 RBC
22.91%
CET1
22.91%
Leverage
15.57%
No watch items at this period.

Asset Quality

StableQoQ +14
65
Sub-score

Asset quality is stable: Adjusted NPL 2.07%, Texas Ratio 7.8%, NCO YTD 0.80%.

Adjusted NPL
2.07%
Govt-guarantees stripped
Texas Ratio
7.8%
NCO YTD
0.80%
30-89 PD
1.33%
Band 0.3% / 3.0%
90+ PD
1.11%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.07% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.11%.

Reserves

WatchQoQ -5
46
Sub-score

Reserves are deteriorating: ALLL 1.31% of loans, coverage 63.9%, true coverage 63.9%.

ALLL / Loans
1.31%
Coverage
63.9%
True Loss Coverage
63.9%
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