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Bankwell Bank

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

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
74
/ 100
StableAs of 2024-Q2QoQ +2

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

Quarterly Headline

2024-Q2

Bank #3109043 2024-Q2 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Brokered deposits above 30%
    Liquidity — Brokered 30.2% of deposits (threshold 30%).
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.15% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2024:
↑ +2 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↓ -6
  • Asset Quality
    ↑ +5
  • Reserves
    ↑ +19

The five pillars

Liquidity

StableQoQ 0
60
Sub-score

Liquidity is stable: brokered 30.2%, loans/deposits 97.9%, cash 7.5% of assets.

Cash / Assets
7.46%
Loans / Deposits
97.88%
Brokered %
30.21%

Watch Items

  • infoBrokered deposits above 30% — Brokered 30.2% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.89%
No watch items at this period.

Capitalization

StableQoQ -6
76
Sub-score

Capital position is stable: Tier 1 RBC 11.67%, CET1 11.67%, leverage 10.16%.

Tier 1 RBC
11.67%
CET1
11.67%
Leverage
10.16%
No watch items at this period.

Asset Quality

StrongQoQ +5
85
Sub-score

Asset quality is strong: Adjusted NPL 2.15%, Texas Ratio 15.6%, NCO YTD 0.04%.

Adjusted NPL
2.15%
Govt-guarantees stripped
Texas Ratio
15.6%
NCO YTD
0.04%
30-89 PD
0.06%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.15% (govt-guarantees stripped).

Reserves

WatchQoQ +19
46
Sub-score

Reserves are deteriorating: ALLL 1.36% of loans, coverage 64.2%, true coverage 59.7%.

ALLL / Loans
1.36%
Coverage
64.2%
True Loss Coverage
59.7%
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