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Bankwest Inc

IDRSSD: 540551
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
70
/ 100
StableAs of 2025-Q4QoQ +7

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

Quarterly Headline

2025-Q4

Bank #540551 2025-Q4 Vital Signs Score: 70/100 — 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 1.24% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↑ +7 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↑ +13
  • Reserves
    ↑ +23

The five pillars

Liquidity

StableQoQ 0
69
Sub-score

Liquidity is stable: brokered 6.2%, loans/deposits 85.5%, cash 1.2% of assets.

Cash / Assets
1.24%
Loans / Deposits
85.51%
Brokered %
6.22%

Watch Items

  • watchCash / Assets below 3% — Cash 1.24% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.47%
No watch items at this period.

Capitalization

WatchQoQ +2
56
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.24%, CET1 10.24%, leverage 9.18%.

Tier 1 RBC
10.24%
CET1
10.24%
Leverage
9.18%
No watch items at this period.

Asset Quality

StrongQoQ +13
83
Sub-score

Asset quality is strong: Adjusted NPL 1.55%, Texas Ratio 11.1%, NCO YTD 0.00%.

Adjusted NPL
1.55%
Govt-guarantees stripped
Texas Ratio
11.1%
NCO YTD
0.00%
30-89 PD
1.48%
Band 0.3% / 3.0%
90+ PD
0.04%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +23
42
Sub-score

Reserves are deteriorating: ALLL 1.06% of loans, coverage 69.1%, true coverage 69.1%.

ALLL / Loans
1.06%
Coverage
69.1%
True Loss Coverage
69.1%
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: 2026-05-13 16:16:34 UTC