Visbanking Logo
Skip to main content

The First National Bank Of Waverly

IDRSSD: 263627
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
64
/ 100
StableAs of 2025-Q4QoQ +1

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

Quarterly Headline

2025-Q4

Bank #263627 2025-Q4 Vital Signs Score: 64/100 — overall stable. Strongest pillar: Capitalization (strong). Weakest pillar: Reserves (risk).

Liquidity:Strong
Securities:Watch
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 25.9% (regulatory soft-warning level 50%).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.36% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↑ +1 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    ↑ +14
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -9
  • Reserves
    ↓ 0

The five pillars

Liquidity

StrongQoQ +3
85
Sub-score

Liquidity is strong: brokered 2.9%, loans/deposits 53.8%, cash 4.1% of assets.

Cash / Assets
4.13%
Loans / Deposits
53.79%
Brokered %
2.89%
No watch items at this period.

Securities

WatchQoQ +14
41
Sub-score

Securities profile is deteriorating: securities 37.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
37.75%
No watch items at this period.

Capitalization

StrongQoQ +2
96
Sub-score

Capital position is strong: Tier 1 RBC 20.56%, CET1 20.56%, leverage 8.95%.

Tier 1 RBC
20.56%
CET1
20.56%
Leverage
8.95%
No watch items at this period.

Asset Quality

StableQoQ -9
61
Sub-score

Asset quality is stable: Adjusted NPL 3.36%, Texas Ratio 16.4%, NCO YTD 0.00%.

Adjusted NPL
3.36%
Govt-guarantees stripped
Texas Ratio
16.4%
NCO YTD
0.00%
30-89 PD
2.33%
Band 0.3% / 3.0%
90+ PD
0.18%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.36% (govt-guarantees stripped).

Reserves

RiskQoQ 0
12
Sub-score

Reserves are weak: ALLL 0.86% of loans, coverage 25.9%, true coverage 23.9%.

ALLL / Loans
0.86%
Coverage
25.9%
True Loss Coverage
23.9%

Watch Items

  • watchALLL / NPL below 50% — Coverage 25.9% (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