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The First National Bank Of Mcintosh

IDRSSD: 988256
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
74
/ 100
StableAs of 2025-Q2QoQ +6

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

Quarterly Headline

2025-Q2

Bank #988256 2025-Q2 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 2.05%.
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.23% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2025:
↑ +6 ptscomposite
  • Liquidity
    — —
  • Securities
    ↑ +21
  • Capitalization
    — —
  • Asset Quality
    ↑ +6
  • Reserves
    ↑ +11

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 49.1%, cash 20.3% of assets.

Cash / Assets
20.28%
Loans / Deposits
49.07%
Brokered %
0.00%
No watch items at this period.

Securities

RiskQoQ +21
33
Sub-score

Securities profile is weak: securities 40.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
40.04%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 63.01%, CET1 63.01%, leverage 21.93%.

Tier 1 RBC
63.01%
CET1
63.01%
Leverage
21.93%
No watch items at this period.

Asset Quality

WatchQoQ +6
55
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.23%, Texas Ratio 3.8%, NCO YTD 0.00%.

Adjusted NPL
2.23%
Govt-guarantees stripped
Texas Ratio
3.8%
NCO YTD
0.00%
30-89 PD
2.48%
Band 0.3% / 3.0%
90+ PD
2.05%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.23% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 2.05%.

Reserves

StableQoQ +11
66
Sub-score

Reserves are stable: ALLL 1.81% of loans, coverage 82.5%, true coverage 82.5%.

ALLL / Loans
1.81%
Coverage
82.5%
True Loss Coverage
82.5%
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: 2026-05-14 00:38:04 UTC