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The First National Bank Of Mertzon

IDRSSD: 500256
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 4 alerts active.

Summary

RSSD 500256 held $504.9M in total assets as of 2026-03-31 (+3.7% quarter-over-quarter). Total loans stood at $79.0M (+8.2% QoQ) and total deposits at $426.7M (+3.7% QoQ).

Overall position is strong — the composite Health Score is 78/100 (Strong). Tier 1 / RWA stands at 84.55%, in the top quartile of peers. Asset quality (NPL ratio) sits in the top quartile of peers.

4 Quarterly Anomaly Alerts fired this quarter, including 2 critical-severity rows. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
78/100
Strong
Active Alerts
4
2 critical, 2 warning
Total Assets
$504.9M
+3.7% QoQ
Total Loans
$79.0M
+8.2% QoQ
Total Deposits
$426.7M
+3.7% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
84.55%
99th pctile · n=303↑ better
-582 bp QoQ
CET1 / RWA
84.55%
99th pctile · n=500↑ better
-582 bp QoQ
Total RBC / RWA
85.81%
99th pctile · n=303↑ better
-582 bp QoQ
Tier 1 Leverage Ratio
84.55%
99th pctile · n=500↑ better
-582 bp QoQ

Liquidity

Cash / Assets
32.68%
98th pctile · n=500↑ better
-218 bp QoQ
Loans / Deposits
18.52%
1th pctile · n=500↓ better
+77 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
0.00%
6th pctile · n=500↓ better
NPA / Assets
0.00%
5th pctile · n=500↓ better
Texas Ratio (regulatory)
0.00%
5th pctile · n=500↓ better
Net Charge-Offs / Avg Loans
-0.01%
15th pctile · n=500↓ better
-2 bp QoQ
ALLL Coverage of NPL
0.00%
6th pctile · n=500↑ better

Earnings

Net Interest Margin
3.05%
13th pctile · n=500↑ better
-37 bp QoQ
Return on Assets
1.62%
74th pctile · n=500↑ better
+1 bp QoQ
Return on Equity
10.59%
42th pctile · n=500↑ better
-65 bp QoQ
Efficiency Ratio
33.55%
1th pctile · n=500↓ better
-865 bp QoQ
Pre-tax NOI / Avg Assets
2.04%
82th pctile · n=500↑ better
+5 bp QoQ

Funding

Brokered / Deposits
0.00%
24th pctile · n=500↓ better
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
0.00%
19th pctile · n=500↓ better

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
50.98%
98th pctile · n=500↑ better
+159 bp QoQ
AFS Securities / Assets
0.00%
3th pctile · n=500↑ better
HTM Securities / Assets
50.98%
100th pctile · n=500↑ better
+159 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-13 11:27:26 UTC