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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 — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
60
/ 100
WatchAs of 2025-Q1QoQ +2

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

Quarterly Headline

2025-Q1

Bank #263627 2025-Q1 Vital Signs Score: 60/100 — 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. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 22.0% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 24.5% (regulatory soft-warning level 50%).
  3. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.40% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2024:
↑ +2 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    ↑ +5
  • Capitalization
    ↑ +1
  • Asset Quality
    ↑ +2
  • Reserves
    ↑ 0

The five pillars

Liquidity

StableQoQ +1
74
Sub-score

Liquidity is stable: brokered 9.7%, loans/deposits 51.8%, cash 1.4% of assets.

Cash / Assets
1.40%
Loans / Deposits
51.76%
Brokered %
9.72%

Watch Items

  • watchCash / Assets below 3% — Cash 1.40% of assets (threshold 3%).

Securities

RiskQoQ +5
19
Sub-score

Securities profile is weak: securities 44.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
44.18%
No watch items at this period.

Capitalization

StrongQoQ +1
92
Sub-score

Capital position is strong: Tier 1 RBC 18.07%, CET1 18.07%, leverage 8.08%.

Tier 1 RBC
18.07%
CET1
18.07%
Leverage
8.08%
No watch items at this period.

Asset Quality

StableQoQ +2
72
Sub-score

Asset quality is stable: Adjusted NPL 2.96%, Texas Ratio 16.1%, NCO YTD 0.00%.

Adjusted NPL
2.96%
Govt-guarantees stripped
Texas Ratio
16.1%
NCO YTD
0.00%
30-89 PD
1.21%
Band 0.3% / 3.0%
90+ PD
0.04%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.96% (govt-guarantees stripped).

Reserves

RiskQoQ 0
7
Sub-score

Reserves are weak: ALLL 0.72% of loans, coverage 24.5%, true coverage 22.0%.

ALLL / Loans
0.72%
Coverage
24.5%
True Loss Coverage
22.0%

Watch Items

  • riskALLL / NPL below 50% — Coverage 24.5% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 22.0% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.72% 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