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Waterstone Bank Ssb

IDRSSD: 310978
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
89
/ 100
StrongAs of 2025-Q3QoQ 0

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 #310978 2025-Q3 Vital Signs Score: 89/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 127.8% (threshold 100%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.36% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2025:
↓ 0 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +1
  • Reserves
    ↓ -1

The five pillars

Liquidity

WatchQoQ -2
59
Sub-score

Liquidity is deteriorating: brokered 5.6%, loans/deposits 127.8%, cash 2.4% of assets.

Cash / Assets
2.36%
Loans / Deposits
127.82%
Brokered %
5.61%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 127.8% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.36% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 18.78%, CET1 18.78%, leverage 15.54%.

Tier 1 RBC
18.78%
CET1
18.78%
Leverage
15.54%
No watch items at this period.

Asset Quality

StrongQoQ +1
100
Sub-score

Asset quality is strong: Adjusted NPL 0.33%, Texas Ratio 1.7%, NCO YTD 0.00%.

Adjusted NPL
0.33%
Govt-guarantees stripped
Texas Ratio
1.7%
NCO YTD
0.00%
30-89 PD
0.18%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -1
82
Sub-score

Reserves are strong: ALLL 0.95% of loans, coverage 294.7%, true coverage 139.1%.

ALLL / Loans
0.95%
Coverage
294.7%
True Loss Coverage
139.1%
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: 2026-05-13 06:30:06 UTC