Visbanking Logo
Skip to main content

State Bank Of Whittington

IDRSSD: 270148
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2025-Q4QoQ 0

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

Quarterly Headline

2025-Q4

Bank #270148 2025-Q4 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.15%.
  2. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.14% of loans.

What changed this quarter

Compared to Q3 2025:
↑ 0 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +3
  • Reserves
    ↓ 0

The five pillars

Liquidity

StrongQoQ -2
86
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 74.9%, cash 4.8% of assets.

Cash / Assets
4.82%
Loans / Deposits
74.91%
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 15.38%, CET1 15.38%, leverage 11.35%.

Tier 1 RBC
15.38%
CET1
15.38%
Leverage
11.35%
No watch items at this period.

Asset Quality

StableQoQ +3
62
Sub-score

Asset quality is stable: Adjusted NPL 1.97%, Texas Ratio 10.8%, NCO YTD 1.14%.

Adjusted NPL
1.97%
Govt-guarantees stripped
Texas Ratio
10.8%
NCO YTD
1.14%
30-89 PD
1.37%
Band 0.3% / 3.0%
90+ PD
1.15%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.15%.
  • infoNet charge-offs elevated — NCO YTD 1.14% of loans.

Reserves

RiskQoQ 0
28
Sub-score

Reserves are weak: ALLL 1.02% of loans, coverage 52.1%, true coverage 52.1%.

ALLL / Loans
1.02%
Coverage
52.1%
True Loss Coverage
52.1%
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: 2026-05-12 21:32:56 UTC