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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 — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
66
/ 100
StableAs of 2024-Q1QoQ +5

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

Quarterly Headline

2024-Q1

Bank #290922 2024-Q1 Vital Signs Score: 66/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.59%.
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.51% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2023:
↑ +5 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    ↓ -2
  • Capitalization
    — —
  • Asset Quality
    ↑ +15
  • Reserves
    ↑ +12

The five pillars

Liquidity

StrongQoQ 0
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 48.6%, cash 12.6% of assets.

Cash / Assets
12.64%
Loans / Deposits
48.59%
Brokered %
0.00%
No watch items at this period.

Securities

StableQoQ -2
69
Sub-score

Securities profile is stable: securities 29.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
29.40%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 10.66%.

Tier 1 RBC
—
CET1
0.00%
Leverage
10.66%

Watch Items

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

Asset Quality

StableQoQ +15
64
Sub-score

Asset quality is stable: Adjusted NPL 2.51%, Texas Ratio 9.6%, NCO YTD 0.00%.

Adjusted NPL
2.51%
Govt-guarantees stripped
Texas Ratio
9.6%
NCO YTD
0.00%
30-89 PD
1.30%
Band 0.3% / 3.0%
90+ PD
1.59%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.51% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.59%.

Reserves

WatchQoQ +12
52
Sub-score

Reserves are deteriorating: ALLL 1.58% of loans, coverage 63.8%, true coverage 61.8%.

ALLL / Loans
1.58%
Coverage
63.8%
True Loss Coverage
61.8%
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 13:45:43 UTC