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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-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2024-Q3QoQ -2

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

Quarterly Headline

2024-Q3

Bank #206156 2024-Q3 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.27% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2024:
↓ -2 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    ↑ +2
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -10
  • Reserves
    ↑ +4

The five pillars

Liquidity

StrongQoQ +1
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 40.2%, cash 15.9% of assets.

Cash / Assets
15.91%
Loans / Deposits
40.16%
Brokered %
0.00%
No watch items at this period.

Securities

StrongQoQ +2
85
Sub-score

Securities profile is strong: securities 24.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
24.61%
No watch items at this period.

Capitalization

StrongQoQ -1
99
Sub-score

Capital position is strong: Tier 1 RBC 16.79%, CET1 16.79%, leverage 9.69%.

Tier 1 RBC
16.79%
CET1
16.79%
Leverage
9.69%
No watch items at this period.

Asset Quality

WatchQoQ -10
57
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.27%, Texas Ratio 14.9%, NCO YTD -0.01%.

Adjusted NPL
4.27%
Govt-guarantees stripped
Texas Ratio
14.9%
NCO YTD
-0.01%
30-89 PD
2.27%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.27% (govt-guarantees stripped).

Reserves

WatchQoQ +4
45
Sub-score

Reserves are deteriorating: ALLL 2.24% of loans, coverage 53.7%, true coverage 53.4%.

ALLL / Loans
2.24%
Coverage
53.7%
True Loss Coverage
53.4%
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