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The First National Bank Of Wakefield

IDRSSD: 292850
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
87
/ 100
StrongAs of 2025-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

2025-Q4

Bank #292850 2025-Q4 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Capitalization (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

  1. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.11% of loans.

What changed this quarter

Compared to Q3 2025:
↓ -2 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    ↑ +1
  • Capitalization
    ↑ 0
  • Asset Quality
    ↓ -13
  • Reserves
    ↑ +4

The five pillars

Liquidity

StrongQoQ +1
95
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 44.4%, cash 7.8% of assets.

Cash / Assets
7.80%
Loans / Deposits
44.44%
Brokered %
0.00%
No watch items at this period.

Securities

StrongQoQ +1
94
Sub-score

Securities profile is strong: securities 21.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
21.78%
No watch items at this period.

Capitalization

StrongQoQ 0
99
Sub-score

Capital position is strong: Tier 1 RBC 23.51%, CET1 23.51%, leverage 9.85%.

Tier 1 RBC
23.51%
CET1
23.51%
Leverage
9.85%
No watch items at this period.

Asset Quality

StableQoQ -13
69
Sub-score

Asset quality is stable: Adjusted NPL 0.91%, Texas Ratio 3.4%, NCO YTD 1.11%.

Adjusted NPL
0.91%
Govt-guarantees stripped
Texas Ratio
3.4%
NCO YTD
1.11%
30-89 PD
2.90%
Band 0.3% / 3.0%
90+ PD
0.38%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.11% of loans.

Reserves

StableQoQ +4
79
Sub-score

Reserves are stable: ALLL 1.27% of loans, coverage 141.8%, true coverage 141.8%.

ALLL / Loans
1.27%
Coverage
141.8%
True Loss Coverage
141.8%
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: 2026-05-13 23:00:12 UTC