Visbanking Logo
Skip to main content

Trailwest Bank

IDRSSD: 615954
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2026-Q1QoQ -9

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

Quarterly Headline

2026-Q1

Bank #615954 2026-Q1 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 105.0% (threshold 100%).

What changed this quarter

Compared to Q4 2025:
↓ -9 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -13
  • Reserves
    ↓ -42

The five pillars

Liquidity

StableQoQ +2
79
Sub-score

Liquidity is stable: brokered 3.8%, loans/deposits 105.0%, cash 9.7% of assets.

Cash / Assets
9.74%
Loans / Deposits
104.97%
Brokered %
3.78%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 105.0% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.98%
No watch items at this period.

Capitalization

StableQoQ +2
60
Sub-score

Capital position is stable: Tier 1 RBC 10.68%, CET1 10.68%, leverage 8.80%.

Tier 1 RBC
10.68%
CET1
10.68%
Leverage
8.80%
No watch items at this period.

Asset Quality

StrongQoQ -13
86
Sub-score

Asset quality is strong: Adjusted NPL 1.85%, Texas Ratio 15.4%, NCO YTD 0.24%.

Adjusted NPL
1.85%
Govt-guarantees stripped
Texas Ratio
15.4%
NCO YTD
0.24%
30-89 PD
0.24%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -42
52
Sub-score

Reserves are deteriorating: ALLL 1.31% of loans, coverage 71.8%, true coverage 71.8%.

ALLL / Loans
1.31%
Coverage
71.8%
True Loss Coverage
71.8%
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: 2026-05-13 01:44:47 UTC