Visbanking Logo
Skip to main content

Southwest Capital Bank

IDRSSD: 206156
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
80
/ 100
StableAs of 2024-Q2QoQ +16

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 #206156 2024-Q2 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Capitalization (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.88% (govt-guarantees stripped).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 47.0% (Adjusted NPL + Performing Mods denominator).
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 47.5% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q1 2024:
↑ +16 ptscomposite
  • Liquidity
    ↑ +19
  • Securities
    ↑ +9
  • Capitalization
    ↑ +50
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -6

The five pillars

Liquidity

StrongQoQ +19
99
Sub-score

Liquidity is strong: brokered 1.9%, loans/deposits 40.3%, cash 12.6% of assets.

Cash / Assets
12.62%
Loans / Deposits
40.27%
Brokered %
1.85%
No watch items at this period.

Securities

StrongQoQ +9
83
Sub-score

Securities profile is strong: securities 25.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
25.21%
No watch items at this period.

Capitalization

StrongQoQ +50
100
Sub-score

Capital position is strong: Tier 1 RBC 16.68%, CET1 16.68%, leverage 9.98%.

Tier 1 RBC
16.68%
CET1
16.68%
Leverage
9.98%
No watch items at this period.

Asset Quality

StableQoQ -3
66
Sub-score

Asset quality is stable: Adjusted NPL 4.88%, Texas Ratio 17.2%, NCO YTD 0.00%.

Adjusted NPL
4.88%
Govt-guarantees stripped
Texas Ratio
17.2%
NCO YTD
0.00%
30-89 PD
0.09%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.88% (govt-guarantees stripped).

Reserves

WatchQoQ -6
41
Sub-score

Reserves are deteriorating: ALLL 2.26% of loans, coverage 47.5%, true coverage 47.0%.

ALLL / Loans
2.26%
Coverage
47.5%
True Loss Coverage
47.0%

Watch Items

  • infoALLL / NPL below 50% — Coverage 47.5% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 47.0% (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: 2026-05-14 13:20:48 UTC