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The First National Bank Of Sonora

IDRSSD: 591366
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
88
/ 100
StrongAs of 2024-Q3QoQ -4

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 #591366 2024-Q3 Vital Signs Score: 88/100 — 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 Q2 2024:
↓ -4 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -12
  • Reserves
    ↓ -9

The five pillars

Liquidity

StrongQoQ 0
97
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 76.7%, cash 13.4% of assets.

Cash / Assets
13.43%
Loans / Deposits
76.73%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StrongQoQ +2
88
Sub-score

Capital position is strong: Tier 1 RBC 13.26%, CET1 13.26%, leverage 9.03%.

Tier 1 RBC
13.26%
CET1
13.26%
Leverage
9.03%
No watch items at this period.

Asset Quality

StrongQoQ -12
84
Sub-score

Asset quality is strong: Adjusted NPL 1.09%, Texas Ratio 7.4%, NCO YTD 0.08%.

Adjusted NPL
1.09%
Govt-guarantees stripped
Texas Ratio
7.4%
NCO YTD
0.08%
30-89 PD
2.04%
Band 0.3% / 3.0%
90+ PD
0.12%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -9
73
Sub-score

Reserves are stable: ALLL 1.25% of loans, coverage 115.7%, true coverage 115.1%.

ALLL / Loans
1.25%
Coverage
115.7%
True Loss Coverage
115.1%
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 02:16:54 UTC