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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-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
55
/ 100
WatchAs of 2025-Q3QoQ -16

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

Quarterly Headline

2025-Q3

Bank #184759 2025-Q3 Vital Signs Score: 55/100 — overall watch. Strongest pillar: Liquidity (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 17.7% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 17.7% (Adjusted NPL + Performing Mods denominator).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 11.91% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↓ -16 ptscomposite
  • Liquidity
    — —
  • Securities
    ↓ -5
  • Capitalization
    ↓ -50
  • Asset Quality
    ↓ -11
  • Reserves
    — —

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 54.2%, cash 11.9% of assets.

Cash / Assets
11.86%
Loans / Deposits
54.19%
Brokered %
0.00%
No watch items at this period.

Securities

StableQoQ -5
62
Sub-score

Securities profile is stable: securities 31.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
31.34%
No watch items at this period.

Capitalization

WatchQoQ -50
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 12.89%.

Tier 1 RBC
—
CET1
0.00%
Leverage
12.89%

Watch Items

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

Asset Quality

RiskQoQ -11
32
Sub-score

Asset quality is weak: Adjusted NPL 11.91%, Texas Ratio 39.9%, NCO YTD 1.21%.

Adjusted NPL
11.91%
Govt-guarantees stripped
Texas Ratio
39.9%
NCO YTD
1.21%
30-89 PD
2.90%
Band 0.3% / 3.0%
90+ PD
0.48%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 11.91% (govt-guarantees stripped).
  • infoNet charge-offs elevated — NCO YTD 1.21% of loans.

Reserves

Risk
33
Sub-score

Reserves are weak: ALLL 2.06% of loans, coverage 17.7%, true coverage 17.7%.

ALLL / Loans
2.06%
Coverage
17.7%
True Loss Coverage
17.7%

Watch Items

  • riskALLL / NPL below 50% — Coverage 17.7% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 17.7% (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