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The First National Bank Of Lacon

IDRSSD: 824738
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
71
/ 100
StableAs of 2025-Q2QoQ -11

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 #824738 2025-Q2 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    ALLL / NPL below 50%
    Reserves — Coverage 38.6% (regulatory soft-warning level 50%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 38.6% (Adjusted NPL + Performing Mods denominator).
  3. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.66%.

What changed this quarter

Compared to Q1 2025:
↓ -11 ptscomposite
  • Liquidity
    ↑ +7
  • Securities
    — —
  • Capitalization
    ↓ -10
  • Asset Quality
    ↓ -13
  • Reserves
    ↓ -43

The five pillars

Liquidity

StrongQoQ +7
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 64.9%, cash 21.8% of assets.

Cash / Assets
21.79%
Loans / Deposits
64.85%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.43%
No watch items at this period.

Capitalization

StableQoQ -10
63
Sub-score

Capital position is stable: Tier 1 RBC 11.32%, CET1 11.32%, leverage 8.31%.

Tier 1 RBC
11.32%
CET1
11.32%
Leverage
8.31%
No watch items at this period.

Asset Quality

StableQoQ -13
75
Sub-score

Asset quality is stable: Adjusted NPL 1.74%, Texas Ratio 12.9%, NCO YTD 0.08%.

Adjusted NPL
1.74%
Govt-guarantees stripped
Texas Ratio
12.9%
NCO YTD
0.08%
30-89 PD
0.35%
Band 0.3% / 3.0%
90+ PD
1.66%
Band 0.1% / 2.0%

Watch Items

  • watch90+ days past due elevated — 90+ PD 1.66%.

Reserves

RiskQoQ -43
10
Sub-score

Reserves are weak: ALLL 0.67% of loans, coverage 38.6%, true coverage 38.6%.

ALLL / Loans
0.67%
Coverage
38.6%
True Loss Coverage
38.6%

Watch Items

  • watchALLL / NPL below 50% — Coverage 38.6% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 38.6% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.67% of loans.

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 14:15:09 UTC