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The First National Bank Of Hughes Springs

IDRSSD: 849357
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
72
/ 100
StableAs of 2024-Q1QoQ -11

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

Quarterly Headline

2024-Q1

Bank #849357 2024-Q1 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 23.2% (Adjusted NPL + Performing Mods denominator).
  2. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 2.97%.
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 28.2% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q4 2023:
↓ -11 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -23
  • Reserves
    ↓ -35

The five pillars

Liquidity

StrongQoQ 0
97
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 76.5%, cash 17.8% of assets.

Cash / Assets
17.76%
Loans / Deposits
76.55%
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 15.63%, CET1 15.63%, leverage 11.02%.

Tier 1 RBC
15.63%
CET1
15.63%
Leverage
11.02%
No watch items at this period.

Asset Quality

RiskQoQ -23
39
Sub-score

Asset quality is weak: Adjusted NPL 3.55%, Texas Ratio 21.1%, NCO YTD -0.41%.

Adjusted NPL
3.55%
Govt-guarantees stripped
Texas Ratio
21.1%
NCO YTD
-0.41%
30-89 PD
3.71%
Band 0.3% / 3.0%
90+ PD
2.97%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.55% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 2.97%.

Reserves

RiskQoQ -35
16
Sub-score

Reserves are weak: ALLL 0.99% of loans, coverage 28.2%, true coverage 23.2%.

ALLL / Loans
0.99%
Coverage
28.2%
True Loss Coverage
23.2%

Watch Items

  • watchALLL / NPL below 50% — Coverage 28.2% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 23.2% (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 10:29:30 UTC