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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2025-Q4QoQ +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-Q4

Bank #184759 2025-Q4 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 18.8% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 18.8% (Adjusted NPL + Performing Mods denominator).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 11.28% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↑ +16 ptscomposite
  • Liquidity
    — —
  • Securities
    ↑ +2
  • Capitalization
    ↑ +50
  • Asset Quality
    ↑ +13
  • Reserves
    — —

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 59.3%, cash 11.6% of assets.

Cash / Assets
11.61%
Loans / Deposits
59.33%
Brokered %
0.00%
No watch items at this period.

Securities

StableQoQ +2
64
Sub-score

Securities profile is stable: securities 30.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
30.76%
No watch items at this period.

Capitalization

StrongQoQ +50
100
Sub-score

Capital position is strong: Tier 1 RBC 17.72%, CET1 17.72%, leverage 13.27%.

Tier 1 RBC
17.72%
CET1
17.72%
Leverage
13.27%
No watch items at this period.

Asset Quality

WatchQoQ +13
45
Sub-score

Asset quality is deteriorating: Adjusted NPL 11.28%, Texas Ratio 38.9%, NCO YTD 0.46%.

Adjusted NPL
11.28%
Govt-guarantees stripped
Texas Ratio
38.9%
NCO YTD
0.46%
30-89 PD
1.63%
Band 0.3% / 3.0%
90+ PD
0.61%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 11.28% (govt-guarantees stripped).

Reserves

Risk
33
Sub-score

Reserves are weak: ALLL 2.08% of loans, coverage 18.8%, true coverage 18.8%.

ALLL / Loans
2.08%
Coverage
18.8%
True Loss Coverage
18.8%

Watch Items

  • riskALLL / NPL below 50% — Coverage 18.8% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 18.8% (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