Visbanking Logo
Skip to main content

Washington Savings Bank

IDRSSD: 654300
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
89
/ 100
StrongAs of 2024-Q1QoQ 0

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

Quarterly Headline

2024-Q1

Bank #654300 2024-Q1 Vital Signs Score: 89/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.67% of loans.

What changed this quarter

Compared to Q4 2023:
↑ 0 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    — —
  • Reserves
    ↓ -1

The five pillars

Liquidity

StableQoQ +2
66
Sub-score

Liquidity is stable: brokered 6.4%, loans/deposits 99.7%, cash 3.4% of assets.

Cash / Assets
3.36%
Loans / Deposits
99.68%
Brokered %
6.43%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.09%
No watch items at this period.

Capitalization

StrongQoQ 0
100
Sub-score

Capital position is strong: Tier 1 RBC 17.22%, CET1 17.22%, leverage 9.94%.

Tier 1 RBC
17.22%
CET1
17.22%
Leverage
9.94%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.30%, Texas Ratio 2.3%, NCO YTD 0.01%.

Adjusted NPL
0.30%
Govt-guarantees stripped
Texas Ratio
2.3%
NCO YTD
0.01%
30-89 PD
0.20%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -1
72
Sub-score

Reserves are stable: ALLL 0.67% of loans, coverage 227.7%, true coverage 227.7%.

ALLL / Loans
0.67%
Coverage
227.7%
True Loss Coverage
227.7%

Watch Items

  • 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: 2026-05-14 19:36:11 UTC