Visbanking Logo
Skip to main content

Bankwest Inc

IDRSSD: 540551
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
63
/ 100
StableAs of 2025-Q3QoQ +2

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 #540551 2025-Q3 Vital Signs Score: 63/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.97% of assets (threshold 3%).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 30.5% (regulatory soft-warning level 50%).
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 30.5% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q2 2025:
↑ +2 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↑ +9
  • Reserves
    ↓ -1

The five pillars

Liquidity

StableQoQ -1
68
Sub-score

Liquidity is stable: brokered 6.9%, loans/deposits 84.1%, cash 1.0% of assets.

Cash / Assets
0.97%
Loans / Deposits
84.12%
Brokered %
6.85%

Watch Items

  • riskCash / Assets below 3% — Cash 0.97% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.57%
No watch items at this period.

Capitalization

WatchQoQ 0
54
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.11%, CET1 10.11%, leverage 9.12%.

Tier 1 RBC
10.11%
CET1
10.11%
Leverage
9.12%
No watch items at this period.

Asset Quality

StableQoQ +9
70
Sub-score

Asset quality is stable: Adjusted NPL 3.53%, Texas Ratio 25.2%, NCO YTD 0.01%.

Adjusted NPL
3.53%
Govt-guarantees stripped
Texas Ratio
25.2%
NCO YTD
0.01%
30-89 PD
0.53%
Band 0.3% / 3.0%
90+ PD
0.10%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.53% (govt-guarantees stripped).

Reserves

RiskQoQ -1
19
Sub-score

Reserves are weak: ALLL 1.06% of loans, coverage 30.5%, true coverage 30.5%.

ALLL / Loans
1.06%
Coverage
30.5%
True Loss Coverage
30.5%

Watch Items

  • watchALLL / NPL below 50% — Coverage 30.5% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 30.5% (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: 2026-05-13 16:16:34 UTC