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Washington State Bank

IDRSSD: 311939
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
81
/ 100
StrongAs of 2025-Q4QoQ -3

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 #311939 2025-Q4 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 35.9% (Adjusted NPL + Performing Mods denominator).
  2. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.79% of loans.

What changed this quarter

Compared to Q3 2025:
↓ -3 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -8
  • Reserves
    ↓ -3

The five pillars

Liquidity

StableQoQ -4
79
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 85.4%, cash 3.8% of assets.

Cash / Assets
3.85%
Loans / Deposits
85.42%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.00%
No watch items at this period.

Capitalization

StrongQoQ -1
99
Sub-score

Capital position is strong: Tier 1 RBC 14.90%, CET1 14.90%, leverage 10.90%.

Tier 1 RBC
14.90%
CET1
14.90%
Leverage
10.90%
No watch items at this period.

Asset Quality

StableQoQ -8
78
Sub-score

Asset quality is stable: Adjusted NPL 0.60%, Texas Ratio 3.9%, NCO YTD 1.79%.

Adjusted NPL
0.60%
Govt-guarantees stripped
Texas Ratio
3.9%
NCO YTD
1.79%
30-89 PD
1.32%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 1.79% of loans.

Reserves

WatchQoQ -3
40
Sub-score

Reserves are deteriorating: ALLL 0.93% of loans, coverage 154.9%, true coverage 35.9%.

ALLL / Loans
0.93%
Coverage
154.9%
True Loss Coverage
35.9%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 35.9% (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: 2026-05-14 23:14:08 UTC