Liquidity
StrongQoQ -4
91
Sub-score
Liquidity is strong: brokered 0.0%, loans/deposits 43.2%, cash 6.1% of assets.
- Cash / Assets
- 6.11%
- Loans / Deposits
- 43.22%
- Brokered %
- 0.00%
No watch items at this period.
The First National Bank Of Wakefield
IDRSSD: 292850
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2026-Q1
Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
87
/ 100
StrongAs of 2026-Q1QoQ 0
Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.
Quarterly Headline
2026-Q1
Bank #292850 2026-Q1 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Capitalization (strong). Weakest pillar: Reserves (stable).
Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Stable
Reserves:Stable
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q4 2025:
↓ 0 ptscomposite
- Liquidity↓ -4
- Securities↑ 0
- Capitalization↓ -1
- Asset Quality↑ +6
- Reserves↓ -4
The five pillars
Securities
StrongQoQ 0
94
Sub-score
Securities profile is strong: securities 21.7% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 21.65%
SVB watch metric
No watch items at this period.
Capitalization
StrongQoQ -1
98
Sub-score
Capital position is strong: Tier 1 RBC 23.72%, CET1 23.72%, leverage 9.56%.
- Tier 1 RBC
- 23.72%
- CET1
- 23.72%
- Leverage
- 9.56%
No watch items at this period.
Asset Quality
StableQoQ +6
75
Sub-score
Asset quality is stable: Adjusted NPL 1.05%, Texas Ratio 3.9%, NCO YTD -0.02%.
- Adjusted NPL
- 1.05%
- Texas Ratio
- 3.9%
- NCO YTD
- -0.02%
- 30-89 PD
- 3.38%
- 90+ PD
- 0.45%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StableQoQ -4
75
Sub-score
Reserves are stable: ALLL 1.27% of loans, coverage 122.8%, true coverage 122.8%.
- ALLL / Loans
- 1.27%
- Coverage
- 122.8%
- True Loss Coverage
- 122.8%
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.tsfor 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