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Washita Valley Bank

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

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2025-Q2QoQ +8

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

Quarterly Headline

2025-Q2

Bank #184759 2025-Q2 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 18.3% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 18.3% (Adjusted NPL + Performing Mods denominator).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 12.97% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2025:
↑ +8 ptscomposite
  • Liquidity
    — —
  • Securities
    ↓ -10
  • Capitalization
    ↑ +50
  • Asset Quality
    ↓ -11
  • Reserves
    ↓ -5

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 49.1%, cash 13.4% of assets.

Cash / Assets
13.41%
Loans / Deposits
49.14%
Brokered %
0.00%
No watch items at this period.

Securities

StableQoQ -10
67
Sub-score

Securities profile is stable: securities 29.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
29.90%
No watch items at this period.

Capitalization

StrongQoQ +50
100
Sub-score

Capital position is strong: Tier 1 RBC 18.31%, CET1 18.31%, leverage 12.54%.

Tier 1 RBC
18.31%
CET1
18.31%
Leverage
12.54%
No watch items at this period.

Asset Quality

WatchQoQ -11
43
Sub-score

Asset quality is deteriorating: Adjusted NPL 12.97%, Texas Ratio 41.3%, NCO YTD 0.00%.

Adjusted NPL
12.97%
Govt-guarantees stripped
Texas Ratio
41.3%
NCO YTD
0.00%
30-89 PD
3.06%
Band 0.3% / 3.0%
90+ PD
0.21%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 12.97% (govt-guarantees stripped).

Reserves

RiskQoQ -5
33
Sub-score

Reserves are weak: ALLL 2.32% of loans, coverage 18.3%, true coverage 18.3%.

ALLL / Loans
2.32%
Coverage
18.3%
True Loss Coverage
18.3%

Watch Items

  • riskALLL / NPL below 50% — Coverage 18.3% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 18.3% (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