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Fwbank

IDRSSD: 5435988
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
73
/ 100
StableAs of 2025-Q4QoQ -6

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 #5435988 2025-Q4 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 38.4% (Adjusted NPL + Performing Mods denominator).
  3. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.84% of loans.

What changed this quarter

Compared to Q3 2025:
↓ -6 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -11
  • Reserves
    ↓ -28

The five pillars

Liquidity

StrongQoQ +2
89
Sub-score

Liquidity is strong: brokered 9.0%, loans/deposits 79.4%, cash 11.9% of assets.

Cash / Assets
11.90%
Loans / Deposits
79.42%
Brokered %
9.03%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.03%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 13.16%.

Tier 1 RBC
—
CET1
0.00%
Leverage
13.16%

Watch Items

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

Asset Quality

StrongQoQ -11
81
Sub-score

Asset quality is strong: Adjusted NPL 0.78%, Texas Ratio 3.8%, NCO YTD 1.84%.

Adjusted NPL
0.78%
Govt-guarantees stripped
Texas Ratio
3.8%
NCO YTD
1.84%
30-89 PD
0.42%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 1.84% of loans.

Reserves

WatchQoQ -28
49
Sub-score

Reserves are deteriorating: ALLL 1.17% of loans, coverage 153.1%, true coverage 38.4%.

ALLL / Loans
1.17%
Coverage
153.1%
True Loss Coverage
38.4%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 38.4% (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: 2026-05-14 11:15:49 UTC