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The National Bank Of Adams County Of West Union

IDRSSD: 290922
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
61
/ 100
StableAs of 2023-Q4QoQ -39

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 #290922 2023-Q4 Vital Signs Score: 61/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.53% (govt-guarantees stripped).
  3. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 2.26%.

What changed this quarter

Compared to Q3 2023:
↓ -39 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    ↓ -27
  • Capitalization
    ↓ -50
  • Asset Quality
    ↓ -52
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ 0
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 45.6%, cash 9.8% of assets.

Cash / Assets
9.82%
Loans / Deposits
45.64%
Brokered %
0.00%
No watch items at this period.

Securities

StableQoQ -27
71
Sub-score

Securities profile is stable: securities 28.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
28.69%
No watch items at this period.

Capitalization

WatchQoQ -50
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 10.03%.

Tier 1 RBC
—
CET1
0.00%
Leverage
10.03%

Watch Items

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

Asset Quality

WatchQoQ -52
48
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.53%, Texas Ratio 13.5%, NCO YTD 0.14%.

Adjusted NPL
3.53%
Govt-guarantees stripped
Texas Ratio
13.5%
NCO YTD
0.14%
30-89 PD
1.66%
Band 0.3% / 3.0%
90+ PD
2.26%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.53% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 2.26%.

Reserves

Risk
40
Sub-score

Reserves are weak: ALLL 1.55% of loans, coverage 44.5%, true coverage 43.4%.

ALLL / Loans
1.55%
Coverage
44.5%
True Loss Coverage
43.4%

Watch Items

  • infoALLL / NPL below 50% — Coverage 44.5% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 43.4% (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 13:45:43 UTC