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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-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2025-Q3QoQ -6

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

Quarterly Headline

2025-Q3

Bank #917630 2025-Q3 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.28% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↓ -6 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↑ +9
  • Asset Quality
    ↓ -17
  • Reserves
    ↓ -27

The five pillars

Liquidity

StrongQoQ 0
94
Sub-score

Liquidity is strong: brokered 3.3%, loans/deposits 77.6%, cash 18.8% of assets.

Cash / Assets
18.77%
Loans / Deposits
77.57%
Brokered %
3.27%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.27%
No watch items at this period.

Capitalization

StrongQoQ +9
100
Sub-score

Capital position is strong: Tier 1 RBC 38.93%, CET1 38.93%, leverage 21.89%.

Tier 1 RBC
38.93%
CET1
38.93%
Leverage
21.89%
No watch items at this period.

Asset Quality

WatchQoQ -17
56
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.28%, Texas Ratio 9.6%, NCO YTD 0.07%.

Adjusted NPL
3.28%
Govt-guarantees stripped
Texas Ratio
9.6%
NCO YTD
0.07%
30-89 PD
3.29%
Band 0.3% / 3.0%
90+ PD
0.52%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.28% (govt-guarantees stripped).

Reserves

WatchQoQ -27
44
Sub-score

Reserves are deteriorating: ALLL 1.67% of loans, coverage 51.6%, true coverage 51.6%.

ALLL / Loans
1.67%
Coverage
51.6%
True Loss Coverage
51.6%
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