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Wallis Bank

IDRSSD: 283867
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
72
/ 100
StableAs of 2024-Q3QoQ -17

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 #283867 2024-Q3 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 28.9% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 35.8% (regulatory soft-warning level 50%).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.46% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2024:
↓ -17 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↓ -23
  • Reserves
    ↓ -66

The five pillars

Liquidity

StrongQoQ -1
90
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 89.8%, cash 17.6% of assets.

Cash / Assets
17.61%
Loans / Deposits
89.80%
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

StableQoQ -3
72
Sub-score

Capital position is stable: Tier 1 RBC 11.61%, CET1 11.61%, leverage 9.62%.

Tier 1 RBC
11.61%
CET1
11.61%
Leverage
9.62%
No watch items at this period.

Asset Quality

StableQoQ -23
77
Sub-score

Asset quality is stable: Adjusted NPL 2.46%, Texas Ratio 18.3%, NCO YTD -0.03%.

Adjusted NPL
2.46%
Govt-guarantees stripped
Texas Ratio
18.3%
NCO YTD
-0.03%
30-89 PD
1.02%
Band 0.3% / 3.0%
90+ PD
0.04%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.46% (govt-guarantees stripped).

Reserves

RiskQoQ -66
12
Sub-score

Reserves are weak: ALLL 0.87% of loans, coverage 35.8%, true coverage 28.9%.

ALLL / Loans
0.87%
Coverage
35.8%
True Loss Coverage
28.9%

Watch Items

  • watchALLL / NPL below 50% — Coverage 35.8% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 28.9% (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 21:48:23 UTC