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Southwest Capital Bank

IDRSSD: 206156
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2023-Q4QoQ -14

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

Quarterly Headline

2023-Q4

Bank #206156 2023-Q4 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Capitalization (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.83% (govt-guarantees stripped).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.54% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2023:
↓ -14 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    ↓ -1
  • Capitalization
    — —
  • Asset Quality
    ↓ -30
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +2
82
Sub-score

Liquidity is strong: brokered 2.2%, loans/deposits 44.3%, cash 2.5% of assets.

Cash / Assets
2.54%
Loans / Deposits
44.35%
Brokered %
2.23%

Watch Items

  • infoCash / Assets below 3% — Cash 2.54% of assets (threshold 3%).

Securities

StableQoQ -1
74
Sub-score

Securities profile is stable: securities 27.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
27.77%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.49%, CET1 16.49%, leverage 10.30%.

Tier 1 RBC
16.49%
CET1
16.49%
Leverage
10.30%
No watch items at this period.

Asset Quality

StableQoQ -30
70
Sub-score

Asset quality is stable: Adjusted NPL 3.83%, Texas Ratio 13.8%, NCO YTD 0.22%.

Adjusted NPL
3.83%
Govt-guarantees stripped
Texas Ratio
13.8%
NCO YTD
0.22%
30-89 PD
0.05%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.83% (govt-guarantees stripped).

Reserves

Watch
47
Sub-score

Reserves are deteriorating: ALLL 2.09% of loans, coverage 55.8%, true coverage 55.0%.

ALLL / Loans
2.09%
Coverage
55.8%
True Loss Coverage
55.0%
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 13:20:48 UTC