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Bankwest Inc

IDRSSD: 540551
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
72
/ 100
StableAs of 2025-Q1QoQ -3

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 #540551 2025-Q1 Vital Signs Score: 72/100 — 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. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.73% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2024:
↓ -3 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↓ -11
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ 0
70
Sub-score

Liquidity is stable: brokered 7.1%, loans/deposits 83.9%, cash 1.7% of assets.

Cash / Assets
1.73%
Loans / Deposits
83.90%
Brokered %
7.14%

Watch Items

  • watchCash / Assets below 3% — Cash 1.73% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.77%
No watch items at this period.

Capitalization

WatchQoQ 0
57
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.28%, CET1 10.28%, leverage 9.28%.

Tier 1 RBC
10.28%
CET1
10.28%
Leverage
9.28%
No watch items at this period.

Asset Quality

StrongQoQ -11
82
Sub-score

Asset quality is strong: Adjusted NPL 1.28%, Texas Ratio 8.8%, NCO YTD -0.07%.

Adjusted NPL
1.28%
Govt-guarantees stripped
Texas Ratio
8.8%
NCO YTD
-0.07%
30-89 PD
2.03%
Band 0.3% / 3.0%
90+ PD
0.19%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +1
55
Sub-score

Reserves are deteriorating: ALLL 1.09% of loans, coverage 86.3%, true coverage 86.3%.

ALLL / Loans
1.09%
Coverage
86.3%
True Loss Coverage
86.3%
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: 2026-05-13 16:16:34 UTC