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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-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
65
/ 100
StableAs of 2024-Q2QoQ 0

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q2

Bank #263627 2024-Q2 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. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.31% of assets (threshold 3%).
  2. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.61% of loans.

What changed this quarter

Compared to Q1 2024:
↑ 0 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    ↓ -2
  • Capitalization
    ↑ +4
  • Asset Quality
    ↑ +4
  • Reserves
    ↓ -9

The five pillars

Liquidity

StableQoQ -2
77
Sub-score

Liquidity is stable: brokered 5.8%, loans/deposits 60.2%, cash 1.3% of assets.

Cash / Assets
1.31%
Loans / Deposits
60.19%
Brokered %
5.84%

Watch Items

  • watchCash / Assets below 3% — Cash 1.31% of assets (threshold 3%).

Securities

RiskQoQ -2
9
Sub-score

Securities profile is weak: securities 47.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
47.37%
No watch items at this period.

Capitalization

StrongQoQ +4
88
Sub-score

Capital position is strong: Tier 1 RBC 16.44%, CET1 16.44%, leverage 7.21%.

Tier 1 RBC
16.44%
CET1
16.44%
Leverage
7.21%
No watch items at this period.

Asset Quality

StrongQoQ +4
93
Sub-score

Asset quality is strong: Adjusted NPL 0.78%, Texas Ratio 4.7%, NCO YTD 0.00%.

Adjusted NPL
0.78%
Govt-guarantees stripped
Texas Ratio
4.7%
NCO YTD
0.00%
30-89 PD
0.95%
Band 0.3% / 3.0%
90+ PD
0.13%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -9
22
Sub-score

Reserves are weak: ALLL 0.61% of loans, coverage 79.1%, true coverage 54.0%.

ALLL / Loans
0.61%
Coverage
79.1%
True Loss Coverage
54.0%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.61% 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