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The First National Bank Of Milaca

IDRSSD: 924357
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StableAs of 2024-Q3QoQ +13

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

Quarterly Headline

2024-Q3

Bank #924357 2024-Q3 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 33.8% (Adjusted NPL + Performing Mods denominator).
  2. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.19% of loans.
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.25% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2024:
↑ +13 ptscomposite
  • Liquidity
    ↑ +8
  • Securities
    ↑ +7
  • Capitalization
    ↑ +49
  • Asset Quality
    ↓ -15
  • Reserves
    ↑ +11

The five pillars

Liquidity

StrongQoQ +8
95
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 70.9%, cash 7.8% of assets.

Cash / Assets
7.81%
Loans / Deposits
70.86%
Brokered %
0.00%
No watch items at this period.

Securities

StrongQoQ +7
100
Sub-score

Securities profile is strong: securities 20.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
20.09%
No watch items at this period.

Capitalization

StrongQoQ +49
99
Sub-score

Capital position is strong: Tier 1 RBC 15.83%, CET1 15.83%, leverage 9.74%.

Tier 1 RBC
15.83%
CET1
15.83%
Leverage
9.74%
No watch items at this period.

Asset Quality

StableQoQ -15
64
Sub-score

Asset quality is stable: Adjusted NPL 2.25%, Texas Ratio 13.9%, NCO YTD 2.19%.

Adjusted NPL
2.25%
Govt-guarantees stripped
Texas Ratio
13.9%
NCO YTD
2.19%
30-89 PD
0.73%
Band 0.3% / 3.0%
90+ PD
0.17%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.25% (govt-guarantees stripped).
  • watchNet charge-offs elevated — NCO YTD 2.19% of loans.

Reserves

RiskQoQ +11
34
Sub-score

Reserves are weak: ALLL 1.38% of loans, coverage 62.3%, true coverage 33.8%.

ALLL / Loans
1.38%
Coverage
62.3%
True Loss Coverage
33.8%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 33.8% (Adjusted NPL + Performing Mods denominator).

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 00:52:32 UTC