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The First National Bank Of Waverly

IDRSSD: 263627
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
62
/ 100
StableAs of 2023-Q4QoQ -8

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 #263627 2023-Q4 Vital Signs Score: 62/100 — overall stable. Strongest pillar: Asset Quality (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.14% of assets (threshold 3%).
  2. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.60% of loans.

What changed this quarter

Compared to Q3 2023:
↓ -8 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    ↓ -1
  • Capitalization
    ↑ +9
  • Asset Quality
    ↓ -11
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -2
76
Sub-score

Liquidity is stable: brokered 6.1%, loans/deposits 60.5%, cash 1.1% of assets.

Cash / Assets
1.14%
Loans / Deposits
60.48%
Brokered %
6.06%

Watch Items

  • watchCash / Assets below 3% — Cash 1.14% of assets (threshold 3%).

Securities

RiskQoQ -1
5
Sub-score

Securities profile is weak: securities 48.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
48.58%
No watch items at this period.

Capitalization

StrongQoQ +9
81
Sub-score

Capital position is strong: Tier 1 RBC 15.37%, CET1 15.37%, leverage 6.51%.

Tier 1 RBC
15.37%
CET1
15.37%
Leverage
6.51%
No watch items at this period.

Asset Quality

StrongQoQ -11
89
Sub-score

Asset quality is strong: Adjusted NPL 0.70%, Texas Ratio 4.5%, NCO YTD 0.02%.

Adjusted NPL
0.70%
Govt-guarantees stripped
Texas Ratio
4.5%
NCO YTD
0.02%
30-89 PD
1.74%
Band 0.3% / 3.0%
90+ PD
0.05%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Risk
24
Sub-score

Reserves are weak: ALLL 0.60% of loans, coverage 86.9%, true coverage 55.5%.

ALLL / Loans
0.60%
Coverage
86.9%
True Loss Coverage
55.5%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.60% of loans.

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 13:45:09 UTC