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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
91
/ 100
StrongAs of 2025-Q4QoQ -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-Q4

Bank #924357 2025-Q4 Vital Signs Score: 91/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

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

What changed this quarter

Compared to Q3 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    ↑ +1
  • Capitalization
    — —
  • Asset Quality
    ↓ -9
  • Reserves
    ↑ +7

The five pillars

Liquidity

StrongQoQ -1
91
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 71.5%, cash 6.5% of assets.

Cash / Assets
6.50%
Loans / Deposits
71.54%
Brokered %
0.00%
No watch items at this period.

Securities

StrongQoQ +1
100
Sub-score

Securities profile is strong: securities 19.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
19.27%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 18.04%, CET1 18.04%, leverage 10.42%.

Tier 1 RBC
18.04%
CET1
18.04%
Leverage
10.42%
No watch items at this period.

Asset Quality

StrongQoQ -9
85
Sub-score

Asset quality is strong: Adjusted NPL 0.64%, Texas Ratio 3.6%, NCO YTD 0.67%.

Adjusted NPL
0.64%
Govt-guarantees stripped
Texas Ratio
3.6%
NCO YTD
0.67%
30-89 PD
1.49%
Band 0.3% / 3.0%
90+ PD
0.20%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +7
74
Sub-score

Reserves are stable: ALLL 0.99% of loans, coverage 158.0%, true coverage 137.5%.

ALLL / Loans
0.99%
Coverage
158.0%
True Loss Coverage
137.5%
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