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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-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
70
/ 100
StableAs of 2025-Q3QoQ -1

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

Quarterly Headline

2025-Q3

Bank #824738 2025-Q3 Vital Signs Score: 70/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.57%.
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 44.7% (regulatory soft-warning level 50%).
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 44.7% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q2 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -3
  • Reserves
    ↑ +4

The five pillars

Liquidity

StrongQoQ -1
99
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 72.4%, cash 12.4% of assets.

Cash / Assets
12.40%
Loans / Deposits
72.42%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.48%
No watch items at this period.

Capitalization

StableQoQ -1
62
Sub-score

Capital position is stable: Tier 1 RBC 11.24%, CET1 11.24%, leverage 8.22%.

Tier 1 RBC
11.24%
CET1
11.24%
Leverage
8.22%
No watch items at this period.

Asset Quality

StableQoQ -3
72
Sub-score

Asset quality is stable: Adjusted NPL 1.57%, Texas Ratio 12.2%, NCO YTD 0.12%.

Adjusted NPL
1.57%
Govt-guarantees stripped
Texas Ratio
12.2%
NCO YTD
0.12%
30-89 PD
1.15%
Band 0.3% / 3.0%
90+ PD
1.57%
Band 0.1% / 2.0%

Watch Items

  • watch90+ days past due elevated — 90+ PD 1.57%.

Reserves

RiskQoQ +4
14
Sub-score

Reserves are weak: ALLL 0.70% of loans, coverage 44.7%, true coverage 44.7%.

ALLL / Loans
0.70%
Coverage
44.7%
True Loss Coverage
44.7%

Watch Items

  • infoALLL / NPL below 50% — Coverage 44.7% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 44.7% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.70% 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