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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-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
58
/ 100
WatchAs of 2024-Q4QoQ +4

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

Quarterly Headline

2024-Q4

Bank #263627 2024-Q4 Vital Signs Score: 58/100 — overall watch. Strongest pillar: Capitalization (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 26.7% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 30.5% (regulatory soft-warning level 50%).
  3. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.19% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2024:
↑ +4 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    ↓ -6
  • Capitalization
    ↑ +2
  • Asset Quality
    ↑ +15
  • Reserves
    ↑ +4

The five pillars

Liquidity

StableQoQ +2
73
Sub-score

Liquidity is stable: brokered 10.4%, loans/deposits 56.2%, cash 1.2% of assets.

Cash / Assets
1.19%
Loans / Deposits
56.17%
Brokered %
10.38%

Watch Items

  • watchCash / Assets below 3% — Cash 1.19% of assets (threshold 3%).

Securities

RiskQoQ -6
14
Sub-score

Securities profile is weak: securities 45.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
45.69%
No watch items at this period.

Capitalization

StrongQoQ +2
91
Sub-score

Capital position is strong: Tier 1 RBC 17.93%, CET1 17.93%, leverage 7.81%.

Tier 1 RBC
17.93%
CET1
17.93%
Leverage
7.81%
No watch items at this period.

Asset Quality

StableQoQ +15
70
Sub-score

Asset quality is stable: Adjusted NPL 2.34%, Texas Ratio 12.9%, NCO YTD 0.56%.

Adjusted NPL
2.34%
Govt-guarantees stripped
Texas Ratio
12.9%
NCO YTD
0.56%
30-89 PD
1.71%
Band 0.3% / 3.0%
90+ PD
0.20%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.34% (govt-guarantees stripped).

Reserves

RiskQoQ +4
7
Sub-score

Reserves are weak: ALLL 0.71% of loans, coverage 30.5%, true coverage 26.7%.

ALLL / Loans
0.71%
Coverage
30.5%
True Loss Coverage
26.7%

Watch Items

  • watchALLL / NPL below 50% — Coverage 30.5% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 26.7% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.71% 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