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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-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 +12

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 #988256 2025-Q3 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q2 2025:
↑ +12 ptscomposite
  • Liquidity
    — —
  • Securities
    ↓ -30
  • Capitalization
    — —
  • Asset Quality
    ↑ +45
  • Reserves
    ↑ +34

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 49.7%, cash 10.5% of assets.

Cash / Assets
10.46%
Loans / Deposits
49.66%
Brokered %
0.00%
No watch items at this period.

Securities

RiskQoQ -30
3
Sub-score

Securities profile is weak: securities 49.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
49.13%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 63.32%, CET1 63.32%, leverage 21.90%.

Tier 1 RBC
63.32%
CET1
63.32%
Leverage
21.90%
No watch items at this period.

Asset Quality

StrongQoQ +45
100
Sub-score

Asset quality is strong: Adjusted NPL 0.20%, Texas Ratio 0.3%, NCO YTD 0.05%.

Adjusted NPL
0.20%
Govt-guarantees stripped
Texas Ratio
0.3%
NCO YTD
0.05%
30-89 PD
0.16%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +34
100
Sub-score

Reserves are strong: ALLL 1.83% of loans, coverage 951.6%, true coverage 951.6%.

ALLL / Loans
1.83%
Coverage
951.6%
True Loss Coverage
951.6%
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