Visbanking Logo
Skip to main content

The First National Bank Of Sparta

IDRSSD: 246947
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
94
/ 100
StrongAs of 2024-Q4QoQ +2

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

Quarterly Headline

2024-Q4

Bank #246947 2024-Q4 Vital Signs Score: 94/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

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

What changed this quarter

Compared to Q3 2024:
↑ +2 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +5
  • Reserves
    ↑ +10

The five pillars

Liquidity

StrongQoQ -4
96
Sub-score

Liquidity is strong: brokered 3.2%, loans/deposits 46.3%, cash 9.2% of assets.

Cash / Assets
9.20%
Loans / Deposits
46.34%
Brokered %
3.22%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.32%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 27.12%, CET1 27.12%, leverage 12.60%.

Tier 1 RBC
27.12%
CET1
27.12%
Leverage
12.60%
No watch items at this period.

Asset Quality

StableQoQ +5
79
Sub-score

Asset quality is stable: Adjusted NPL 0.51%, Texas Ratio 1.6%, NCO YTD 0.14%.

Adjusted NPL
0.51%
Govt-guarantees stripped
Texas Ratio
1.6%
NCO YTD
0.14%
30-89 PD
3.71%
Band 0.3% / 3.0%
90+ PD
0.47%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +10
100
Sub-score

Reserves are strong: ALLL 1.56% of loans, coverage 310.5%, true coverage 160.0%.

ALLL / Loans
1.56%
Coverage
310.5%
True Loss Coverage
160.0%
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: 2026-05-13 16:09:40 UTC