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The First National Bank Of Manchester

IDRSSD: 719610
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
85
/ 100
StrongAs of 2025-Q3QoQ -3

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 #719610 2025-Q3 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.37%.

What changed this quarter

Compared to Q2 2025:
↓ -3 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -6
  • Reserves
    ↓ -11

The five pillars

Liquidity

StrongQoQ 0
97
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 75.1%, cash 12.3% of assets.

Cash / Assets
12.31%
Loans / Deposits
75.12%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.10%
No watch items at this period.

Capitalization

StrongQoQ +2
95
Sub-score

Capital position is strong: Tier 1 RBC 13.90%, CET1 13.90%, leverage 9.50%.

Tier 1 RBC
13.90%
CET1
13.90%
Leverage
9.50%
No watch items at this period.

Asset Quality

StableQoQ -6
72
Sub-score

Asset quality is stable: Adjusted NPL 1.80%, Texas Ratio 11.5%, NCO YTD 0.01%.

Adjusted NPL
1.80%
Govt-guarantees stripped
Texas Ratio
11.5%
NCO YTD
0.01%
30-89 PD
1.12%
Band 0.3% / 3.0%
90+ PD
1.37%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.37%.

Reserves

WatchQoQ -11
58
Sub-score

Reserves are deteriorating: ALLL 1.43% of loans, coverage 80.2%, true coverage 72.9%.

ALLL / Loans
1.43%
Coverage
80.2%
True Loss Coverage
72.9%
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 04:19:55 UTC