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Southwest Bank Of Weatherford

IDRSSD: 1014059
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
76
/ 100
StableAs of 2025-Q3QoQ -11

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 #1014059 2025-Q3 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.77% (govt-guarantees stripped).
  2. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 2.09%.
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 44.0% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q2 2025:
↓ -11 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -32
  • Reserves
    ↓ -16

The five pillars

Liquidity

StrongQoQ -1
99
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 71.3%, cash 23.8% of assets.

Cash / Assets
23.81%
Loans / Deposits
71.34%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 24.82%, CET1 24.82%, leverage 14.46%.

Tier 1 RBC
24.82%
CET1
24.82%
Leverage
14.46%
No watch items at this period.

Asset Quality

RiskQoQ -32
39
Sub-score

Asset quality is weak: Adjusted NPL 3.77%, Texas Ratio 15.0%, NCO YTD -0.01%.

Adjusted NPL
3.77%
Govt-guarantees stripped
Texas Ratio
15.0%
NCO YTD
-0.01%
30-89 PD
2.89%
Band 0.3% / 3.0%
90+ PD
2.09%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.77% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 2.09%.

Reserves

WatchQoQ -16
40
Sub-score

Reserves are deteriorating: ALLL 1.63% of loans, coverage 44.0%, true coverage 44.0%.

ALLL / Loans
1.63%
Coverage
44.0%
True Loss Coverage
44.0%

Watch Items

  • infoALLL / NPL below 50% — Coverage 44.0% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 44.0% (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 16:23:16 UTC