Visbanking Logo
Skip to main content

Bank Of Washington

IDRSSD: 565750
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
69
/ 100
StableAs of 2025-Q3QoQ 0

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 #565750 2025-Q3 Vital Signs Score: 69/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 39.7% (Adjusted NPL + Performing Mods denominator).
  3. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 108.4% (threshold 100%).

What changed this quarter

Compared to Q2 2025:
↑ 0 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +2
  • Reserves
    ↓ -2

The five pillars

Liquidity

StableQoQ +2
71
Sub-score

Liquidity is stable: brokered 0.1%, loans/deposits 108.4%, cash 5.7% of assets.

Cash / Assets
5.69%
Loans / Deposits
108.40%
Brokered %
0.11%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 108.4% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.22%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 12.39%.

Tier 1 RBC
—
CET1
0.00%
Leverage
12.39%

Watch Items

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

Asset Quality

StrongQoQ +2
82
Sub-score

Asset quality is strong: Adjusted NPL 2.48%, Texas Ratio 15.3%, NCO YTD 0.00%.

Adjusted NPL
2.48%
Govt-guarantees stripped
Texas Ratio
15.3%
NCO YTD
0.00%
30-89 PD
0.03%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.48% (govt-guarantees stripped).

Reserves

WatchQoQ -2
47
Sub-score

Reserves are deteriorating: ALLL 2.25% of loans, coverage 92.6%, true coverage 39.7%.

ALLL / Loans
2.25%
Coverage
92.6%
True Loss Coverage
39.7%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 39.7% (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 13:48:46 UTC