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Bankwell Bank

IDRSSD: 3109043
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
73
/ 100
StableAs of 2023-Q4QoQ -12

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

Quarterly Headline

2023-Q4

Bank #3109043 2023-Q4 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    Brokered deposits above 30%
    Liquidity — Brokered 34.6% of deposits (threshold 30%).

What changed this quarter

Compared to Q3 2023:
↓ -12 ptscomposite
  • Liquidity
    ↓ -7
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↓ -12
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -7
62
Sub-score

Liquidity is stable: brokered 34.6%, loans/deposits 97.7%, cash 8.3% of assets.

Cash / Assets
8.33%
Loans / Deposits
97.69%
Brokered %
34.63%

Watch Items

  • infoBrokered deposits above 30% — Brokered 34.6% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.44%
No watch items at this period.

Capitalization

StableQoQ +4
78
Sub-score

Capital position is stable: Tier 1 RBC 11.30%, CET1 11.30%, leverage 9.80%.

Tier 1 RBC
11.30%
CET1
11.30%
Leverage
9.80%
No watch items at this period.

Asset Quality

StrongQoQ -12
88
Sub-score

Asset quality is strong: Adjusted NPL 1.83%, Texas Ratio 14.1%, NCO YTD 0.05%.

Adjusted NPL
1.83%
Govt-guarantees stripped
Texas Ratio
14.1%
NCO YTD
0.05%
30-89 PD
0.25%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Risk
30
Sub-score

Reserves are weak: ALLL 1.03% of loans, coverage 56.8%, true coverage 52.1%.

ALLL / Loans
1.03%
Coverage
56.8%
True Loss Coverage
52.1%
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 03:36:50 UTC