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The First National Bank Of Hope

IDRSSD: 870856
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
79
/ 100
StableAs of 2024-Q3QoQ -2

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 #870856 2024-Q3 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 22.9% (Adjusted NPL + Performing Mods denominator).
  2. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 6.88% (govt-guarantees stripped).
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 28.9% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q2 2024:
↓ -2 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -13

The five pillars

Liquidity

StrongQoQ +3
89
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 65.4%, cash 4.9% of assets.

Cash / Assets
4.86%
Loans / Deposits
65.41%
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 18.09%, CET1 18.09%, leverage 13.06%.

Tier 1 RBC
18.09%
CET1
18.09%
Leverage
13.06%
No watch items at this period.

Asset Quality

StableQoQ -2
63
Sub-score

Asset quality is stable: Adjusted NPL 6.88%, Texas Ratio 26.2%, NCO YTD 0.14%.

Adjusted NPL
6.88%
Govt-guarantees stripped
Texas Ratio
26.2%
NCO YTD
0.14%
30-89 PD
0.23%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 6.88% (govt-guarantees stripped).

Reserves

RiskQoQ -13
33
Sub-score

Reserves are weak: ALLL 1.95% of loans, coverage 28.9%, true coverage 22.9%.

ALLL / Loans
1.95%
Coverage
28.9%
True Loss Coverage
22.9%

Watch Items

  • watchALLL / NPL below 50% — Coverage 28.9% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 22.9% (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 20:07:59 UTC