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Finwise Bank

IDRSSD: 2880019
Total Assets
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Latest filing
Total Deposits
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Latest filing
Net Interest Margin
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Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
58
/ 100
WatchAs of 2024-Q4QoQ +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-Q4

Bank #2880019 2024-Q4 Vital Signs Score: 58/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 49.8% of deposits (threshold 30%).
  2. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 6.65% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2024:
↑ +2 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +8
  • Reserves
    ↓ -2

The five pillars

Liquidity

StableQoQ +1
68
Sub-score

Liquidity is stable: brokered 49.8%, loans/deposits 94.4%, cash 14.9% of assets.

Cash / Assets
14.90%
Loans / Deposits
94.40%
Brokered %
49.79%

Watch Items

  • riskBrokered deposits above 30% — Brokered 49.8% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.80%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 20.44%.

Tier 1 RBC
—
CET1
0.00%
Leverage
20.44%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

WatchQoQ +8
44
Sub-score

Asset quality is deteriorating: Adjusted NPL 6.65%, Texas Ratio 24.1%, NCO YTD 2.44%.

Adjusted NPL
6.65%
Govt-guarantees stripped
Texas Ratio
24.1%
NCO YTD
2.44%
30-89 PD
0.78%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 6.65% (govt-guarantees stripped).
  • watchNet charge-offs elevated — NCO YTD 2.44% of loans.

Reserves

RiskQoQ -2
36
Sub-score

Reserves are weak: ALLL 2.38% of loans, coverage 36.8%, true coverage 36.0%.

ALLL / Loans
2.38%
Coverage
36.8%
True Loss Coverage
36.0%

Watch Items

  • watchALLL / NPL below 50% — Coverage 36.8% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 36.0% (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 13:51:29 UTC