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Waterford Bank Na

IDRSSD: 3588424
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2025-Q1QoQ -1

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

Quarterly Headline

2025-Q1

Bank #3588424 2025-Q1 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

  1. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.80% of loans.

What changed this quarter

Compared to Q4 2024:
↓ -1 ptscomposite
  • Liquidity
    ↑ +9
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↓ -10
  • Reserves
    ↓ 0

The five pillars

Liquidity

StableQoQ +9
72
Sub-score

Liquidity is stable: brokered 17.9%, loans/deposits 83.2%, cash 5.9% of assets.

Cash / Assets
5.87%
Loans / Deposits
83.25%
Brokered %
17.88%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.22%
No watch items at this period.

Capitalization

StableQoQ 0
63
Sub-score

Capital position is stable: Tier 1 RBC 10.79%, CET1 10.79%, leverage 9.33%.

Tier 1 RBC
10.79%
CET1
10.79%
Leverage
9.33%
No watch items at this period.

Asset Quality

StrongQoQ -10
85
Sub-score

Asset quality is strong: Adjusted NPL 0.39%, Texas Ratio 2.9%, NCO YTD 1.80%.

Adjusted NPL
0.39%
Govt-guarantees stripped
Texas Ratio
2.9%
NCO YTD
1.80%
30-89 PD
0.11%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 1.80% of loans.

Reserves

StrongQoQ 0
87
Sub-score

Reserves are strong: ALLL 1.11% of loans, coverage 286.6%, true coverage 286.6%.

ALLL / Loans
1.11%
Coverage
286.6%
True Loss Coverage
286.6%
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: 2026-05-14 08:55:43 UTC