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Waterman Bank

IDRSSD: 604640
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
76
/ 100
StableAs of 2025-Q4QoQ -13

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 #604640 2025-Q4 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 22.0% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 27.3% (regulatory soft-warning level 50%).
  3. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.94%.

What changed this quarter

Compared to Q3 2025:
↓ -13 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -29
  • Reserves
    ↓ -37

The five pillars

Liquidity

StrongQoQ -2
93
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 84.4%, cash 19.0% of assets.

Cash / Assets
18.95%
Loans / Deposits
84.43%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.79%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 19.28%, CET1 19.28%, leverage 13.11%.

Tier 1 RBC
19.28%
CET1
19.28%
Leverage
13.11%
No watch items at this period.

Asset Quality

StableQoQ -29
71
Sub-score

Asset quality is stable: Adjusted NPL 1.94%, Texas Ratio 10.1%, NCO YTD 0.00%.

Adjusted NPL
1.94%
Govt-guarantees stripped
Texas Ratio
10.1%
NCO YTD
0.00%
30-89 PD
0.41%
Band 0.3% / 3.0%
90+ PD
1.94%
Band 0.1% / 2.0%

Watch Items

  • watch90+ days past due elevated — 90+ PD 1.94%.

Reserves

RiskQoQ -37
1
Sub-score

Reserves are weak: ALLL 0.53% of loans, coverage 27.3%, true coverage 22.0%.

ALLL / Loans
0.53%
Coverage
27.3%
True Loss Coverage
22.0%

Watch Items

  • watchALLL / NPL below 50% — Coverage 27.3% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 22.0% (Adjusted NPL + Performing Mods denominator).
  • watchALLL / Loans below 0.75% — ALLL 0.53% of loans.

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 08:39:59 UTC