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Warsaw Federal Savings And Loan Association

IDRSSD: 875879
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2025-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

2025-Q4

Bank #875879 2025-Q4 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    ALLL / NPL below 50%
    Reserves — Coverage 37.2% (regulatory soft-warning level 50%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 37.2% (Adjusted NPL + Performing Mods denominator).
  3. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 105.9% (threshold 100%).

What changed this quarter

Compared to Q3 2025:
↓ -7 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -9
  • Reserves
    ↓ -36

The five pillars

Liquidity

StableQoQ +1
74
Sub-score

Liquidity is stable: brokered 11.6%, loans/deposits 105.9%, cash 13.7% of assets.

Cash / Assets
13.72%
Loans / Deposits
105.88%
Brokered %
11.57%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 105.9% (threshold 100%).

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

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 22.51%, CET1 18.38%, leverage 12.01%.

Tier 1 RBC
22.51%
CET1
18.38%
Leverage
12.01%
No watch items at this period.

Asset Quality

StrongQoQ -9
89
Sub-score

Asset quality is strong: Adjusted NPL 1.81%, Texas Ratio 10.0%, NCO YTD 0.02%.

Adjusted NPL
1.81%
Govt-guarantees stripped
Texas Ratio
10.0%
NCO YTD
0.02%
30-89 PD
0.31%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -36
9
Sub-score

Reserves are weak: ALLL 0.67% of loans, coverage 37.2%, true coverage 37.2%.

ALLL / Loans
0.67%
Coverage
37.2%
True Loss Coverage
37.2%

Watch Items

  • watchALLL / NPL below 50% — Coverage 37.2% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 37.2% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.67% of loans.

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 06:17:35 UTC