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The Walton State Bank

IDRSSD: 490955
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
66
/ 100
StableAs of 2024-Q3QoQ -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-Q3

Bank #490955 2024-Q3 Vital Signs Score: 66/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 22.0% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 22.0% (Adjusted NPL + Performing Mods denominator).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.20% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2024:
↓ -13 ptscomposite
  • Liquidity
    — —
  • Securities
    ↓ -13
  • Capitalization
    ↓ -27
  • Asset Quality
    ↓ -18
  • Reserves
    ↑ +3

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 16.5%, cash 18.4% of assets.

Cash / Assets
18.39%
Loans / Deposits
16.49%
Brokered %
0.00%
No watch items at this period.

Securities

StableQoQ -13
76
Sub-score

Securities profile is stable: securities 27.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
27.24%
No watch items at this period.

Capitalization

StableQoQ -27
73
Sub-score

Capital position is stable: Tier 1 RBC 11.76%, CET1 11.76%, leverage 11.95%.

Tier 1 RBC
11.76%
CET1
11.76%
Leverage
11.95%
No watch items at this period.

Asset Quality

WatchQoQ -18
52
Sub-score

Asset quality is deteriorating: Adjusted NPL 5.20%, Texas Ratio 5.9%, NCO YTD 0.00%.

Adjusted NPL
5.20%
Govt-guarantees stripped
Texas Ratio
5.9%
NCO YTD
0.00%
30-89 PD
1.73%
Band 0.3% / 3.0%
90+ PD
0.76%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.20% (govt-guarantees stripped).

Reserves

RiskQoQ +3
21
Sub-score

Reserves are weak: ALLL 1.13% of loans, coverage 22.0%, true coverage 22.0%.

ALLL / Loans
1.13%
Coverage
22.0%
True Loss Coverage
22.0%

Watch Items

  • riskALLL / NPL below 50% — Coverage 22.0% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 22.0% (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: 2026-05-12 20:02:05 UTC