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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 — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
64
/ 100
StableAs of 2026-Q1QoQ -14

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

Quarterly Headline

2026-Q1

Bank #917630 2026-Q1 Vital Signs Score: 64/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.62% (govt-guarantees stripped).
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 43.1% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q4 2025:
↓ -14 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↓ -50
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -2

The five pillars

Liquidity

StrongQoQ -3
90
Sub-score

Liquidity is strong: brokered 3.5%, loans/deposits 85.8%, cash 13.4% of assets.

Cash / Assets
13.42%
Loans / Deposits
85.80%
Brokered %
3.51%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.73%
No watch items at this period.

Capitalization

WatchQoQ -50
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 20.21%.

Tier 1 RBC
—
CET1
0.00%
Leverage
20.21%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

WatchQoQ -3
49
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.62%, Texas Ratio 11.0%, NCO YTD 0.14%.

Adjusted NPL
3.62%
Govt-guarantees stripped
Texas Ratio
11.0%
NCO YTD
0.14%
30-89 PD
4.01%
Band 0.3% / 3.0%
90+ PD
1.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.62% (govt-guarantees stripped).

Reserves

RiskQoQ -2
40
Sub-score

Reserves are weak: ALLL 1.54% of loans, coverage 43.1%, true coverage 43.1%.

ALLL / Loans
1.54%
Coverage
43.1%
True Loss Coverage
43.1%

Watch Items

  • infoALLL / NPL below 50% — Coverage 43.1% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 43.1% (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 13:49:52 UTC