Watermark Bank
Bank Health Dashboard
Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. No anomalies triggered this quarter.
Summary
RSSD 5313312 held $429.6M in total assets as of 2026-03-31 (+5.5% quarter-over-quarter). Total loans stood at $353.9M (+5.7% QoQ) and total deposits at $368.0M (+6.1% QoQ).
Overall position is adequate — the composite Health Score is 51/100 (Adequate). Tier 1 / RWA stands at 14.56%, in the below median of peers. Asset quality (NPL ratio) sits in the top quartile of peers.
No Quarterly Anomaly Alerts were triggered this quarter — the metric grid did not breach any of the Cliff Drop, Peer Outlier, or Threshold Crossing rules.
Headline KPIs
Quarterly Anomaly Alerts
Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).
Peer-Percentile Metric Grid
Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.
Capital
Liquidity
Asset Quality
Earnings
Funding
Securities
Methodology
- Health Score (0-100)
- Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
- Peer group
- Same asset-size bucket and charter type as the subject bank, computed nightly into
PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles. - Cliff Drop Alert
- Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
- Peer Outlier Alert
- Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
- Threshold Crossing Alert
- Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
- Source
- FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into
CallReport_FinancialsandCallReport_FdicData. Visbanking's metric coloring and alert thresholds.
Generated: 2026-05-15 11:26:00 UTC