Visbanking Logo
Skip to main content

The Walton State Bank

IDRSSD: 490955
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
72
/ 100
StableAs of 2025-Q2QoQ -1

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

Quarterly Headline

2025-Q2

Bank #490955 2025-Q2 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 26.7% (regulatory soft-warning level 50%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 26.7% (Adjusted NPL + Performing Mods denominator).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.86% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2025:
↓ -1 ptscomposite
  • Liquidity
    ↑ +13
  • Securities
    ↓ -4
  • Capitalization
    — —
  • Asset Quality
    ↓ -11
  • Reserves
    ↑ +2

The five pillars

Liquidity

StrongQoQ +13
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 34.2%, cash 24.3% of assets.

Cash / Assets
24.33%
Loans / Deposits
34.24%
Brokered %
0.00%
No watch items at this period.

Securities

WatchQoQ -4
55
Sub-score

Securities profile is deteriorating: securities 33.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
33.48%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 58.89%, CET1 58.89%, leverage 16.21%.

Tier 1 RBC
58.89%
CET1
58.89%
Leverage
16.21%
No watch items at this period.

Asset Quality

StableQoQ -11
63
Sub-score

Asset quality is stable: Adjusted NPL 3.86%, Texas Ratio 5.8%, NCO YTD 0.00%.

Adjusted NPL
3.86%
Govt-guarantees stripped
Texas Ratio
5.8%
NCO YTD
0.00%
30-89 PD
1.27%
Band 0.3% / 3.0%
90+ PD
0.37%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.86% (govt-guarantees stripped).

Reserves

RiskQoQ +2
17
Sub-score

Reserves are weak: ALLL 1.02% of loans, coverage 26.7%, true coverage 26.7%.

ALLL / Loans
1.02%
Coverage
26.7%
True Loss Coverage
26.7%

Watch Items

  • watchALLL / NPL below 50% — Coverage 26.7% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 26.7% (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