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Washita Valley Bank

IDRSSD: 184759
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
59
/ 100
WatchAs of 2023-Q4QoQ -37

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

Quarterly Headline

2023-Q4

Bank #184759 2023-Q4 Vital Signs Score: 59/100 — overall watch. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 30.6% (regulatory soft-warning level 50%).
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 30.6% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2023:
↓ -37 ptscomposite
  • Liquidity
    — —
  • Securities
    ↑ +1
  • Capitalization
    ↓ -50
  • Asset Quality
    ↓ -54
  • Reserves
    — —

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 59.7%, cash 15.7% of assets.

Cash / Assets
15.72%
Loans / Deposits
59.74%
Brokered %
0.00%
No watch items at this period.

Securities

StableQoQ +1
76
Sub-score

Securities profile is stable: securities 27.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
27.17%
No watch items at this period.

Capitalization

WatchQoQ -50
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 13.82%.

Tier 1 RBC
—
CET1
0.00%
Leverage
13.82%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

WatchQoQ -54
46
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.96%, Texas Ratio 13.5%, NCO YTD 1.47%.

Adjusted NPL
3.96%
Govt-guarantees stripped
Texas Ratio
13.5%
NCO YTD
1.47%
30-89 PD
1.15%
Band 0.3% / 3.0%
90+ PD
0.93%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.96% (govt-guarantees stripped).
  • infoNet charge-offs elevated — NCO YTD 1.47% of loans.

Reserves

Risk
23
Sub-score

Reserves are weak: ALLL 1.20% of loans, coverage 30.6%, true coverage 30.6%.

ALLL / Loans
1.20%
Coverage
30.6%
True Loss Coverage
30.6%

Watch Items

  • watchALLL / NPL below 50% — Coverage 30.6% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 30.6% (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: 2026-05-13 16:41:48 UTC