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Southwest Capital Bank

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

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
64
/ 100
StableAs of 2024-Q1QoQ -13

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

Quarterly Headline

2024-Q1

Bank #206156 2024-Q1 Vital Signs Score: 64/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.63% (govt-guarantees stripped).
  3. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.78% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2023:
↓ -13 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    ↓ 0
  • Capitalization
    ↓ -50
  • Asset Quality
    ↓ -1
  • Reserves
    ↑ +1

The five pillars

Liquidity

StrongQoQ -2
80
Sub-score

Liquidity is strong: brokered 2.2%, loans/deposits 45.9%, cash 1.8% of assets.

Cash / Assets
1.78%
Loans / Deposits
45.86%
Brokered %
2.24%

Watch Items

  • watchCash / Assets below 3% — Cash 1.78% of assets (threshold 3%).

Securities

StableQoQ 0
74
Sub-score

Securities profile is stable: securities 27.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
27.79%
No watch items at this period.

Capitalization

WatchQoQ -50
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 10.44%.

Tier 1 RBC
—
CET1
0.00%
Leverage
10.44%

Watch Items

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

Asset Quality

StableQoQ -1
69
Sub-score

Asset quality is stable: Adjusted NPL 3.63%, Texas Ratio 13.3%, NCO YTD -0.01%.

Adjusted NPL
3.63%
Govt-guarantees stripped
Texas Ratio
13.3%
NCO YTD
-0.01%
30-89 PD
0.92%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.63% (govt-guarantees stripped).

Reserves

WatchQoQ +1
48
Sub-score

Reserves are deteriorating: ALLL 2.04% of loans, coverage 57.4%, true coverage 56.6%.

ALLL / Loans
2.04%
Coverage
57.4%
True Loss Coverage
56.6%
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