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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 — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2026-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

2026-Q1

Bank #895055 2026-Q1 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.67% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2025:
↓ -3 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -5
  • Reserves
    ↓ -16

The five pillars

Liquidity

StrongQoQ +1
82
Sub-score

Liquidity is strong: brokered 16.8%, loans/deposits 83.3%, cash 12.2% of assets.

Cash / Assets
12.21%
Loans / Deposits
83.29%
Brokered %
16.82%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.27%
No watch items at this period.

Capitalization

StableQoQ +2
76
Sub-score

Capital position is stable: Tier 1 RBC 11.93%, CET1 11.93%, leverage 9.41%.

Tier 1 RBC
11.93%
CET1
11.93%
Leverage
9.41%
No watch items at this period.

Asset Quality

StableQoQ -5
75
Sub-score

Asset quality is stable: Adjusted NPL 2.67%, Texas Ratio 19.9%, NCO YTD 0.02%.

Adjusted NPL
2.67%
Govt-guarantees stripped
Texas Ratio
19.9%
NCO YTD
0.02%
30-89 PD
0.88%
Band 0.3% / 3.0%
90+ PD
0.22%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.67% (govt-guarantees stripped).

Reserves

WatchQoQ -16
43
Sub-score

Reserves are deteriorating: ALLL 1.42% of loans, coverage 54.1%, true coverage 54.1%.

ALLL / Loans
1.42%
Coverage
54.1%
True Loss Coverage
54.1%
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