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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 — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
85
/ 100
StrongAs of 2025-Q1QoQ +1

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

Quarterly Headline

2025-Q1

Bank #924357 2025-Q1 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Capitalization (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

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

What changed this quarter

Compared to Q4 2024:
↑ +1 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    ↓ -4
  • Capitalization
    ↑ +2
  • Asset Quality
    ↑ +6
  • Reserves
    ↓ -2

The five pillars

Liquidity

StrongQoQ -1
91
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 68.5%, cash 6.0% of assets.

Cash / Assets
5.96%
Loans / Deposits
68.51%
Brokered %
0.00%
No watch items at this period.

Securities

StrongQoQ -4
88
Sub-score

Securities profile is strong: securities 23.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
23.60%
No watch items at this period.

Capitalization

StrongQoQ +2
99
Sub-score

Capital position is strong: Tier 1 RBC 16.56%, CET1 16.56%, leverage 9.76%.

Tier 1 RBC
16.56%
CET1
16.56%
Leverage
9.76%
No watch items at this period.

Asset Quality

StableQoQ +6
76
Sub-score

Asset quality is stable: Adjusted NPL 1.26%, Texas Ratio 7.6%, NCO YTD 0.03%.

Adjusted NPL
1.26%
Govt-guarantees stripped
Texas Ratio
7.6%
NCO YTD
0.03%
30-89 PD
2.85%
Band 0.3% / 3.0%
90+ PD
0.25%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -2
68
Sub-score

Reserves are stable: ALLL 1.23% of loans, coverage 98.4%, true coverage 98.4%.

ALLL / Loans
1.23%
Coverage
98.4%
True Loss Coverage
98.4%
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 00:52:32 UTC