Visbanking Logo
Skip to main content

Washington State Bank

IDRSSD: 311939
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2026-Q1QoQ +1

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

Quarterly Headline

2026-Q1

Bank #311939 2026-Q1 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 34.6% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q4 2025:
↑ +1 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↑ +7
  • Reserves
    ↓ -17

The five pillars

Liquidity

StrongQoQ +6
85
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 83.0%, cash 6.1% of assets.

Cash / Assets
6.08%
Loans / Deposits
82.99%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.92%
No watch items at this period.

Capitalization

StrongQoQ +1
100
Sub-score

Capital position is strong: Tier 1 RBC 15.15%, CET1 15.15%, leverage 11.10%.

Tier 1 RBC
15.15%
CET1
15.15%
Leverage
11.10%
No watch items at this period.

Asset Quality

StrongQoQ +7
85
Sub-score

Asset quality is strong: Adjusted NPL 1.53%, Texas Ratio 9.4%, NCO YTD 0.00%.

Adjusted NPL
1.53%
Govt-guarantees stripped
Texas Ratio
9.4%
NCO YTD
0.00%
30-89 PD
1.28%
Band 0.3% / 3.0%
90+ PD
0.09%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -17
23
Sub-score

Reserves are weak: ALLL 1.02% of loans, coverage 67.5%, true coverage 34.6%.

ALLL / Loans
1.02%
Coverage
67.5%
True Loss Coverage
34.6%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 34.6% (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