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The First National Bank Of Mcgregor

IDRSSD: 895055
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2024-Q1QoQ -3

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

Quarterly Headline

2024-Q1

Bank #895055 2024-Q1 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.39% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2023:
↓ -3 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -16

The five pillars

Liquidity

StableQoQ +1
79
Sub-score

Liquidity is stable: brokered 23.6%, loans/deposits 80.2%, cash 12.2% of assets.

Cash / Assets
12.23%
Loans / Deposits
80.22%
Brokered %
23.59%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.45%
No watch items at this period.

Capitalization

StrongQoQ -1
97
Sub-score

Capital position is strong: Tier 1 RBC 13.39%, CET1 13.39%, leverage 10.11%.

Tier 1 RBC
13.39%
CET1
13.39%
Leverage
10.11%
No watch items at this period.

Asset Quality

StrongQoQ -2
82
Sub-score

Asset quality is strong: Adjusted NPL 2.39%, Texas Ratio 16.1%, NCO YTD 0.04%.

Adjusted NPL
2.39%
Govt-guarantees stripped
Texas Ratio
16.1%
NCO YTD
0.04%
30-89 PD
0.25%
Band 0.3% / 3.0%
90+ PD
0.18%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.39% (govt-guarantees stripped).

Reserves

RiskQoQ -16
39
Sub-score

Reserves are weak: ALLL 1.29% of loans, coverage 54.4%, true coverage 54.2%.

ALLL / Loans
1.29%
Coverage
54.4%
True Loss Coverage
54.2%
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 11:25:51 UTC