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The First National Bank Of Williamson

IDRSSD: 917630
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
87
/ 100
StrongAs of 2025-Q1QoQ +13

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 #917630 2025-Q1 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q4 2024:
↑ +13 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↑ +27
  • Asset Quality
    ↑ +14
  • Reserves
    ↑ +18

The five pillars

Liquidity

StrongQoQ +2
95
Sub-score

Liquidity is strong: brokered 5.9%, loans/deposits 72.2%, cash 9.9% of assets.

Cash / Assets
9.87%
Loans / Deposits
72.20%
Brokered %
5.87%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.17%
No watch items at this period.

Capitalization

StrongQoQ +27
90
Sub-score

Capital position is strong: Tier 1 RBC 14.64%, CET1 14.64%, leverage 7.62%.

Tier 1 RBC
14.64%
CET1
14.64%
Leverage
7.62%
No watch items at this period.

Asset Quality

StableQoQ +14
75
Sub-score

Asset quality is stable: Adjusted NPL 1.71%, Texas Ratio 12.5%, NCO YTD 0.23%.

Adjusted NPL
1.71%
Govt-guarantees stripped
Texas Ratio
12.5%
NCO YTD
0.23%
30-89 PD
2.32%
Band 0.3% / 3.0%
90+ PD
0.04%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +18
78
Sub-score

Reserves are stable: ALLL 1.69% of loans, coverage 100.5%, true coverage 100.5%.

ALLL / Loans
1.69%
Coverage
100.5%
True Loss Coverage
100.5%
No watch items at this period.

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 13:49:52 UTC