Visbanking Logo
Skip to main content

Bankwell Bank

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

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2025-Q1QoQ +10

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

Quarterly Headline

2025-Q1

Bank #3109043 2025-Q1 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q4 2024:
↑ +10 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↑ +5
  • Asset Quality
    ↑ +12
  • Reserves
    ↑ +37

The five pillars

Liquidity

StableQoQ +3
71
Sub-score

Liquidity is stable: brokered 22.6%, loans/deposits 94.5%, cash 9.2% of assets.

Cash / Assets
9.19%
Loans / Deposits
94.52%
Brokered %
22.60%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.85%
No watch items at this period.

Capitalization

StrongQoQ +5
80
Sub-score

Capital position is strong: Tier 1 RBC 12.10%, CET1 12.10%, leverage 10.13%.

Tier 1 RBC
12.10%
CET1
12.10%
Leverage
10.13%
No watch items at this period.

Asset Quality

StrongQoQ +12
95
Sub-score

Asset quality is strong: Adjusted NPL 1.01%, Texas Ratio 7.4%, NCO YTD 0.01%.

Adjusted NPL
1.01%
Govt-guarantees stripped
Texas Ratio
7.4%
NCO YTD
0.01%
30-89 PD
0.10%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +37
68
Sub-score

Reserves are stable: ALLL 1.12% of loans, coverage 111.5%, true coverage 102.8%.

ALLL / Loans
1.12%
Coverage
111.5%
True Loss Coverage
102.8%
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