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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 — 2024-Q1

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

Synthesis

Vital Signs Score
65
/ 100
StableAs of 2024-Q1QoQ +3

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 #263627 2024-Q1 Vital Signs Score: 65/100 — 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. info
    Cash / Assets below 3%
    Liquidity — Cash 2.04% of assets (threshold 3%).
  2. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.64% of loans.

What changed this quarter

Compared to Q4 2023:
↑ +3 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    ↑ +6
  • Capitalization
    ↑ +4
  • Asset Quality
    ↓ 0
  • Reserves
    ↑ +6

The five pillars

Liquidity

StableQoQ +2
79
Sub-score

Liquidity is stable: brokered 5.6%, loans/deposits 55.3%, cash 2.0% of assets.

Cash / Assets
2.04%
Loans / Deposits
55.34%
Brokered %
5.60%

Watch Items

  • infoCash / Assets below 3% — Cash 2.04% of assets (threshold 3%).

Securities

RiskQoQ +6
10
Sub-score

Securities profile is weak: securities 46.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
46.86%
No watch items at this period.

Capitalization

StrongQoQ +4
84
Sub-score

Capital position is strong: Tier 1 RBC 16.72%, CET1 16.72%, leverage 7.19%.

Tier 1 RBC
16.72%
CET1
16.72%
Leverage
7.19%
No watch items at this period.

Asset Quality

StrongQoQ 0
89
Sub-score

Asset quality is strong: Adjusted NPL 0.65%, Texas Ratio 3.8%, NCO YTD 0.01%.

Adjusted NPL
0.65%
Govt-guarantees stripped
Texas Ratio
3.8%
NCO YTD
0.01%
30-89 PD
1.87%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +6
30
Sub-score

Reserves are weak: ALLL 0.64% of loans, coverage 97.8%, true coverage 61.4%.

ALLL / Loans
0.64%
Coverage
97.8%
True Loss Coverage
61.4%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.64% 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