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The First National Bank Of Osakis

IDRSSD: 726458
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
80
/ 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 #726458 2026-Q1 Vital Signs Score: 80/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.12% of assets (threshold 3%).
  2. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 100.0% (threshold 100%).

What changed this quarter

Compared to Q4 2025:
↓ 0 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↓ 0
  • Reserves
    ↑ +9

The five pillars

Liquidity

StableQoQ -1
65
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 100.0%, cash 1.1% of assets.

Cash / Assets
1.12%
Loans / Deposits
100.03%
Brokered %
0.00%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 100.0% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.12% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.51%
No watch items at this period.

Capitalization

StableQoQ -5
63
Sub-score

Capital position is stable: Tier 1 RBC 11.04%, CET1 11.04%, leverage 8.82%.

Tier 1 RBC
11.04%
CET1
11.04%
Leverage
8.82%
No watch items at this period.

Asset Quality

StrongQoQ 0
98
Sub-score

Asset quality is strong: Adjusted NPL 0.42%, Texas Ratio 3.6%, NCO YTD -0.01%.

Adjusted NPL
0.42%
Govt-guarantees stripped
Texas Ratio
3.6%
NCO YTD
-0.01%
30-89 PD
0.66%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +9
80
Sub-score

Reserves are stable: ALLL 0.89% of loans, coverage 215.9%, true coverage 215.9%.

ALLL / Loans
0.89%
Coverage
215.9%
True Loss Coverage
215.9%
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 01:07:21 UTC