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The First National Bank Of Winnsboro

IDRSSD: 501767
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
70
/ 100
StableAs of 2023-Q4QoQ -29

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

Quarterly Headline

2023-Q4

Bank #501767 2023-Q4 Vital Signs Score: 70/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 35.1% (Adjusted NPL + Performing Mods denominator).
  3. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.50% of loans.

What changed this quarter

Compared to Q3 2023:
↓ -29 ptscomposite
  • Liquidity
    ↓ -11
  • Securities
    — —
  • Capitalization
    ↓ -50
  • Asset Quality
    ↓ -24
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -11
85
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 86.1%, cash 6.8% of assets.

Cash / Assets
6.82%
Loans / Deposits
86.07%
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

WatchQoQ -50
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 20.29%.

Tier 1 RBC
—
CET1
0.00%
Leverage
20.29%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StableQoQ -24
76
Sub-score

Asset quality is stable: Adjusted NPL 1.59%, Texas Ratio 4.6%, NCO YTD 1.50%.

Adjusted NPL
1.59%
Govt-guarantees stripped
Texas Ratio
4.6%
NCO YTD
1.50%
30-89 PD
0.68%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 1.50% of loans.

Reserves

Watch
46
Sub-score

Reserves are deteriorating: ALLL 1.50% of loans, coverage 96.2%, true coverage 35.1%.

ALLL / Loans
1.50%
Coverage
96.2%
True Loss Coverage
35.1%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 35.1% (Adjusted NPL + Performing Mods denominator).

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 02:21:37 UTC