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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-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
88
/ 100
StrongAs of 2024-Q3QoQ -2

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

Quarterly Headline

2024-Q3

Bank #433943 2024-Q3 Vital Signs Score: 88/100 — 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

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.99% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2024:
↓ -2 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    ↑ +1
  • Capitalization
    — —
  • Asset Quality
    ↓ -4
  • Reserves
    ↓ -8

The five pillars

Liquidity

StableQoQ +1
73
Sub-score

Liquidity is stable: brokered 17.5%, loans/deposits 63.0%, cash 3.0% of assets.

Cash / Assets
2.99%
Loans / Deposits
63.01%
Brokered %
17.49%

Watch Items

  • infoCash / Assets below 3% — Cash 2.99% of assets (threshold 3%).

Securities

StrongQoQ +1
83
Sub-score

Securities profile is strong: securities 25.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
25.24%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 20.28%, CET1 20.28%, leverage 12.63%.

Tier 1 RBC
20.28%
CET1
20.28%
Leverage
12.63%
No watch items at this period.

Asset Quality

StrongQoQ -4
94
Sub-score

Asset quality is strong: Adjusted NPL 0.99%, Texas Ratio 4.0%, NCO YTD -0.01%.

Adjusted NPL
0.99%
Govt-guarantees stripped
Texas Ratio
4.0%
NCO YTD
-0.01%
30-89 PD
0.39%
Band 0.3% / 3.0%
90+ PD
0.20%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -8
83
Sub-score

Reserves are strong: ALLL 1.38% of loans, coverage 141.2%, true coverage 141.2%.

ALLL / Loans
1.38%
Coverage
141.2%
True Loss Coverage
141.2%
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