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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-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
62
/ 100
StableAs of 2025-Q2QoQ +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-Q2

Bank #263627 2025-Q2 Vital Signs Score: 62/100 — overall stable. 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 23.9% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 26.5% (regulatory soft-warning level 50%).
  3. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.72% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2025:
↑ +2 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    ↓ -1
  • Capitalization
    ↑ +1
  • Asset Quality
    ↑ +5
  • Reserves
    ↑ +2

The five pillars

Liquidity

StableQoQ 0
75
Sub-score

Liquidity is stable: brokered 10.2%, loans/deposits 51.4%, cash 1.7% of assets.

Cash / Assets
1.72%
Loans / Deposits
51.43%
Brokered %
10.17%

Watch Items

  • watchCash / Assets below 3% — Cash 1.72% of assets (threshold 3%).

Securities

RiskQoQ -1
19
Sub-score

Securities profile is weak: securities 44.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
44.43%
No watch items at this period.

Capitalization

StrongQoQ +1
93
Sub-score

Capital position is strong: Tier 1 RBC 19.07%, CET1 19.07%, leverage 8.31%.

Tier 1 RBC
19.07%
CET1
19.07%
Leverage
8.31%
No watch items at this period.

Asset Quality

StableQoQ +5
77
Sub-score

Asset quality is stable: Adjusted NPL 3.01%, Texas Ratio 15.4%, NCO YTD -0.13%.

Adjusted NPL
3.01%
Govt-guarantees stripped
Texas Ratio
15.4%
NCO YTD
-0.13%
30-89 PD
0.37%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.01% (govt-guarantees stripped).

Reserves

RiskQoQ +2
10
Sub-score

Reserves are weak: ALLL 0.79% of loans, coverage 26.5%, true coverage 23.9%.

ALLL / Loans
0.79%
Coverage
26.5%
True Loss Coverage
23.9%

Watch Items

  • watchALLL / NPL below 50% — Coverage 26.5% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 23.9% (Adjusted NPL + Performing Mods denominator).

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