The First National Bank Of Lindsay

Summary

Headline KPIs

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

• ×

  Critical· Cliff Drop Alert

  ALLL Coverage of NPL dropped 59 percentile points vs prior quarter

  Now ranks at the 0th percentile of peers (was 59th).
• ×

  Critical· Threshold Crossing Alert

  CET1 / RWA fell below 6.5% (now 0.00%)

  Basel III well-capitalized CET1 floor is 6.5%. Bank is at 0.00%.
• ×

  Critical· Cliff Drop Alert

  Efficiency Ratio dropped 60 percentile points vs prior quarter

  Now ranks at the 0th percentile of peers (was 60th).
• ×

  Critical· Peer Outlier Alert

  Efficiency Ratio QoQ change is 44.7σ from peer-group average

  Moved from 65.23% to 643.91%; peers averaged a 0.02% change.
• ×

  Critical· Cliff Drop Alert

  Net Charge-Offs / Avg Loans dropped 57 percentile points vs prior quarter

  Now ranks at the 0th percentile of peers (was 57th).
• ×

  Critical· Peer Outlier Alert

  Net Charge-Offs / Avg Loans QoQ change is 78.6σ from peer-group average

  Moved from 0.00% to 56.93%; peers averaged a 0.06% change.
• ×

  Critical· Peer Outlier Alert

  NPA / Assets QoQ change is 8.5σ from peer-group average

  Moved from 1.51% to 6.20%; peers averaged a 0.01% change.
• ×

  Critical· Peer Outlier Alert

  NPL / Loans QoQ change is 10.5σ from peer-group average

  Moved from 2.04% to 10.65%; peers averaged a -0.01% change.
• ×

  Critical· Cliff Drop Alert

  Pre-tax NOI / Avg Assets dropped 41 percentile points vs prior quarter

  Now ranks at the 0th percentile of peers (was 42th).
• ×

  Critical· Cliff Drop Alert

  Return on Assets dropped 48 percentile points vs prior quarter

  Now ranks at the 0th percentile of peers (was 48th).
• ×

  Critical· Cliff Drop Alert

  Return on Equity dropped 48 percentile points vs prior quarter

  Now ranks at the 1th percentile of peers (was 48th).
• ×

  Critical· Peer Outlier Alert

  Return on Equity QoQ change is -4.3σ from peer-group average

  Moved from 9.64% to -44.07%; peers averaged a -0.88% change.
• ×

  Critical· Threshold Crossing Alert

  Texas Ratio exceeded 100% (now 189.3%)

  Texas Ratio >100% is the classic failure-warning threshold. Bank is at 189.34%.
• ×

  Critical· Peer Outlier Alert

  Texas Ratio (regulatory) QoQ change is 41.6σ from peer-group average

  Moved from 12.44% to 189.34%; peers averaged a 0.08% change.
• !

  Warning· Cliff Drop Alert

  Net Interest Margin dropped 33 percentile points vs prior quarter

  Now ranks at the 0th percentile of peers (was 34th).
• !

  Warning· Threshold Crossing Alert

  NPL ratio exceeded 5% (now 10.65%)

  5% NPL ratio is well above industry average; signals deteriorating credit. Bank is at 10.65%.
• !

  Warning· Peer Outlier Alert

  Pre-tax NOI / Avg Assets QoQ change is -2.7σ from peer-group average

  Moved from 0.93% to -4.51%; peers averaged a 0.04% change.
• !

  Warning· Peer Outlier Alert

  Return on Assets QoQ change is -3.0σ from peer-group average

  Moved from 0.93% to -4.51%; peers averaged a -0.02% change.
• !

  Warning· Threshold Crossing Alert

  Tier 1 Leverage fell below 5.0% (now 0.00%)

  Basel III well-capitalized Tier 1 leverage floor is 5.0%. Bank is at 0.00%.

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Methodology

Health Score (0-100)

Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.

Peer group

Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.

Cliff Drop Alert

Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.

Peer Outlier Alert

Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.

Threshold Crossing Alert

Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.

Source

FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-15 05:31:39 UTC