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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-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
72
/ 100
StableAs of 2024-Q4QoQ +7

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

Quarterly Headline

2024-Q4

Bank #490955 2024-Q4 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    ALLL / NPL below 50%
    Reserves — Coverage 28.0% (regulatory soft-warning level 50%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 28.0% (Adjusted NPL + Performing Mods denominator).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.71% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2024:
↑ +7 ptscomposite
  • Liquidity
    — —
  • Securities
    ↓ -26
  • Capitalization
    ↑ +27
  • Asset Quality
    ↑ +17
  • Reserves
    ↓ -3

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 21.1%, cash 19.0% of assets.

Cash / Assets
19.00%
Loans / Deposits
21.08%
Brokered %
0.00%
No watch items at this period.

Securities

WatchQoQ -26
50
Sub-score

Securities profile is deteriorating: securities 35.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
35.10%
No watch items at this period.

Capitalization

StrongQoQ +27
100
Sub-score

Capital position is strong: Tier 1 RBC 61.38%, CET1 61.38%, leverage 11.70%.

Tier 1 RBC
61.38%
CET1
61.38%
Leverage
11.70%
No watch items at this period.

Asset Quality

StableQoQ +17
69
Sub-score

Asset quality is stable: Adjusted NPL 3.71%, Texas Ratio 5.2%, NCO YTD -0.15%.

Adjusted NPL
3.71%
Govt-guarantees stripped
Texas Ratio
5.2%
NCO YTD
-0.15%
30-89 PD
0.90%
Band 0.3% / 3.0%
90+ PD
0.07%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.71% (govt-guarantees stripped).

Reserves

RiskQoQ -3
18
Sub-score

Reserves are weak: ALLL 1.03% of loans, coverage 28.0%, true coverage 28.0%.

ALLL / Loans
1.03%
Coverage
28.0%
True Loss Coverage
28.0%

Watch Items

  • watchALLL / NPL below 50% — Coverage 28.0% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 28.0% (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