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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 — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2026-Q1QoQ -5

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

Quarterly Headline

2026-Q1

Bank #849357 2026-Q1 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.64%.
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.16% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2025:
↓ -5 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -15
  • Reserves
    ↓ -11

The five pillars

Liquidity

StrongQoQ +2
99
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 71.7%, cash 20.0% of assets.

Cash / Assets
19.96%
Loans / Deposits
71.74%
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 16.59%, CET1 16.59%, leverage 10.72%.

Tier 1 RBC
16.59%
CET1
16.59%
Leverage
10.72%
No watch items at this period.

Asset Quality

WatchQoQ -15
58
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.16%, Texas Ratio 12.0%, NCO YTD 0.22%.

Adjusted NPL
2.16%
Govt-guarantees stripped
Texas Ratio
12.0%
NCO YTD
0.22%
30-89 PD
2.42%
Band 0.3% / 3.0%
90+ PD
1.64%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.16% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.64%.

Reserves

WatchQoQ -11
44
Sub-score

Reserves are deteriorating: ALLL 1.39% of loans, coverage 65.3%, true coverage 52.1%.

ALLL / Loans
1.39%
Coverage
65.3%
True Loss Coverage
52.1%
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 10:29:30 UTC