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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 — 2026-Q1

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

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2026-Q1QoQ 0

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 #988256 2026-Q1 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.06%.

What changed this quarter

Compared to Q4 2025:
↓ 0 ptscomposite
  • Liquidity
    — —
  • Securities
    ↑ +24
  • Capitalization
    — —
  • Asset Quality
    ↓ -12
  • Reserves
    ↓ -5

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 41.5%, cash 26.4% of assets.

Cash / Assets
26.40%
Loans / Deposits
41.47%
Brokered %
0.00%
No watch items at this period.

Securities

RiskQoQ +24
37
Sub-score

Securities profile is weak: securities 38.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
38.95%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 67.66%, CET1 67.66%, leverage 20.24%.

Tier 1 RBC
67.66%
CET1
67.66%
Leverage
20.24%
No watch items at this period.

Asset Quality

StableQoQ -12
78
Sub-score

Asset quality is stable: Adjusted NPL 1.15%, Texas Ratio 1.8%, NCO YTD 0.03%.

Adjusted NPL
1.15%
Govt-guarantees stripped
Texas Ratio
1.8%
NCO YTD
0.03%
30-89 PD
1.58%
Band 0.3% / 3.0%
90+ PD
1.06%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.06%.

Reserves

StrongQoQ -5
95
Sub-score

Reserves are strong: ALLL 2.01% of loans, coverage 178.4%, true coverage 178.4%.

ALLL / Loans
2.01%
Coverage
178.4%
True Loss Coverage
178.4%
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