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Washington State Bank

IDRSSD: 433943
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
90
/ 100
StrongAs of 2024-Q2QoQ -1

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

Quarterly Headline

2024-Q2

Bank #433943 2024-Q2 Vital Signs Score: 90/100 — overall strong. Strongest pillar: Capitalization (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q1 2024:
↓ -1 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    ↑ +1
  • Capitalization
    — —
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ 0

The five pillars

Liquidity

StableQoQ -1
71
Sub-score

Liquidity is stable: brokered 20.7%, loans/deposits 62.5%, cash 3.3% of assets.

Cash / Assets
3.28%
Loans / Deposits
62.45%
Brokered %
20.70%
No watch items at this period.

Securities

StrongQoQ +1
82
Sub-score

Securities profile is strong: securities 25.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
25.44%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 19.97%, CET1 19.97%, leverage 12.40%.

Tier 1 RBC
19.97%
CET1
19.97%
Leverage
12.40%
No watch items at this period.

Asset Quality

StrongQoQ -2
98
Sub-score

Asset quality is strong: Adjusted NPL 0.27%, Texas Ratio 1.1%, NCO YTD 0.07%.

Adjusted NPL
0.27%
Govt-guarantees stripped
Texas Ratio
1.1%
NCO YTD
0.07%
30-89 PD
0.58%
Band 0.3% / 3.0%
90+ PD
0.15%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ 0
91
Sub-score

Reserves are strong: ALLL 1.24% of loans, coverage 461.7%, true coverage 461.7%.

ALLL / Loans
1.24%
Coverage
461.7%
True Loss Coverage
461.7%
No watch items at this period.

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 21:54:20 UTC