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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 — 2025-Q2

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

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2025-Q2QoQ -4

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 #849357 2025-Q2 Vital Signs Score: 77/100 — 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. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 42.7% (Adjusted NPL + Performing Mods denominator).
  2. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.41%.
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.32% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2025:
↓ -4 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -13
  • Reserves
    ↓ -5

The five pillars

Liquidity

StrongQoQ +1
96
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 78.1%, cash 16.4% of assets.

Cash / Assets
16.44%
Loans / Deposits
78.12%
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 16.41%, CET1 16.41%, leverage 11.75%.

Tier 1 RBC
16.41%
CET1
16.41%
Leverage
11.75%
No watch items at this period.

Asset Quality

WatchQoQ -13
56
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.32%, Texas Ratio 13.0%, NCO YTD -0.03%.

Adjusted NPL
2.32%
Govt-guarantees stripped
Texas Ratio
13.0%
NCO YTD
-0.03%
30-89 PD
4.95%
Band 0.3% / 3.0%
90+ PD
1.41%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.32% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.41%.

Reserves

RiskQoQ -5
29
Sub-score

Reserves are weak: ALLL 1.18% of loans, coverage 51.5%, true coverage 42.7%.

ALLL / Loans
1.18%
Coverage
51.5%
True Loss Coverage
42.7%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 42.7% (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