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Fwbank

IDRSSD: 5435988
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
88
/ 100
StrongAs of 2024-Q2QoQ +14

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

Quarterly Headline

2024-Q2

Bank #5435988 2024-Q2 Vital Signs Score: 88/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.35% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2024:
↑ +14 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +50
  • Asset Quality
    ↑ +3
  • Reserves
    ↑ +4

The five pillars

Liquidity

StrongQoQ -1
88
Sub-score

Liquidity is strong: brokered 5.2%, loans/deposits 86.4%, cash 16.1% of assets.

Cash / Assets
16.10%
Loans / Deposits
86.42%
Brokered %
5.25%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.94%
No watch items at this period.

Capitalization

StrongQoQ +50
100
Sub-score

Capital position is strong: Tier 1 RBC 16.38%, CET1 16.38%, leverage 14.48%.

Tier 1 RBC
16.38%
CET1
16.38%
Leverage
14.48%
No watch items at this period.

Asset Quality

StrongQoQ +3
84
Sub-score

Asset quality is strong: Adjusted NPL 2.35%, Texas Ratio 11.7%, NCO YTD 0.00%.

Adjusted NPL
2.35%
Govt-guarantees stripped
Texas Ratio
11.7%
NCO YTD
0.00%
30-89 PD
0.04%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.35% (govt-guarantees stripped).

Reserves

WatchQoQ +4
59
Sub-score

Reserves are deteriorating: ALLL 1.70% of loans, coverage 73.7%, true coverage 73.7%.

ALLL / Loans
1.70%
Coverage
73.7%
True Loss Coverage
73.7%
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 11:15:49 UTC