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Wallis Bank

IDRSSD: 283867
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2025-Q3QoQ +8

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

Quarterly Headline

2025-Q3

Bank #283867 2025-Q3 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 32.4% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q2 2025:
↑ +8 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↑ +5
  • Asset Quality
    ↑ +8
  • Reserves
    ↑ +29

The five pillars

Liquidity

StrongQoQ +3
91
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 87.8%, cash 15.0% of assets.

Cash / Assets
15.05%
Loans / Deposits
87.77%
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 +5
72
Sub-score

Capital position is stable: Tier 1 RBC 11.64%, CET1 11.64%, leverage 9.52%.

Tier 1 RBC
11.64%
CET1
11.64%
Leverage
9.52%
No watch items at this period.

Asset Quality

StrongQoQ +8
99
Sub-score

Asset quality is strong: Adjusted NPL 0.43%, Texas Ratio 3.3%, NCO YTD 0.17%.

Adjusted NPL
0.43%
Govt-guarantees stripped
Texas Ratio
3.3%
NCO YTD
0.17%
30-89 PD
0.26%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +29
41
Sub-score

Reserves are deteriorating: ALLL 0.79% of loans, coverage 185.0%, true coverage 32.4%.

ALLL / Loans
0.79%
Coverage
185.0%
True Loss Coverage
32.4%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 32.4% (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