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The First National Bank Of Waverly

IDRSSD: 263627
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 1 alert active.

Summary

RSSD 263627 held $204.4M in total assets as of 2026-03-31 (+4.2% quarter-over-quarter). Total loans stood at $91.1M (-2.1% QoQ) and total deposits at $181.0M (+4.6% QoQ).

Overall position is adequate — the composite Health Score is 45/100 (Adequate). Tier 1 / RWA stands at 21.46%, in the above median of peers. Asset quality (NPL ratio) sits in the bottom decile of peers.

1 Quarterly Anomaly Alert fired this quarter, including 1 critical-severity row. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
45/100
Adequate
Active Alerts
1
1 critical, 0 warning
Total Assets
$204.4M
+4.2% QoQ
Total Loans
$91.1M
-2.1% QoQ
Total Deposits
$181.0M
+4.6% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
21.46%
75th pctile · n=230↑ better
+90 bp QoQ
CET1 / RWA
21.46%
89th pctile · n=500↑ better
+90 bp QoQ
Total RBC / RWA
22.42%
74th pctile · n=230↑ better
+92 bp QoQ
Tier 1 Leverage Ratio
21.46%
88th pctile · n=500↑ better
+90 bp QoQ

Liquidity

Cash / Assets
10.18%
66th pctile · n=500↑ better
+605 bp QoQ
Loans / Deposits
50.32%
12th pctile · n=492↓ better
-347 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
3.83%
96th pctile · n=500↓ better
+50 bp QoQ
NPA / Assets
1.77%
90th pctile · n=500↓ better
+18 bp QoQ
Texas Ratio (regulatory)
18.85%
94th pctile · n=500↓ better
+245 bp QoQ
Net Charge-Offs / Avg Loans
0.07%
83th pctile · n=500↓ better
ALLL Coverage of NPL
22.60%
24th pctile · n=500↑ better
-332 bp QoQ

Earnings

Net Interest Margin
3.02%
11th pctile · n=500↑ better
+27 bp QoQ
Return on Assets
0.56%
13th pctile · n=500↑ better
+20 bp QoQ
Return on Equity
6.16%
20th pctile · n=500↑ better
+208 bp QoQ
Efficiency Ratio
79.61%
85th pctile · n=500↓ better
-691 bp QoQ
Pre-tax NOI / Avg Assets
0.67%
14th pctile · n=500↑ better
+26 bp QoQ

Funding

Brokered / Deposits
0.00%
31th pctile · n=492↓ better
-289 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
0.00%
28th pctile · n=500↓ better

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
34.98%
82th pctile · n=500↑ better
-277 bp QoQ
AFS Securities / Assets
0.00%
5th pctile · n=500↑ better
HTM Securities / Assets
34.98%
98th pctile · n=500↑ better
-277 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-14 13:45:37 UTC