Visbanking Logo
Skip to main content

Watertown Savings Bank

IDRSSD: 886204
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
89
/ 100
StrongAs of 2024-Q3QoQ -3

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

Quarterly Headline

2024-Q3

Bank #886204 2024-Q3 Vital Signs Score: 89/100 — overall strong. Strongest pillar: Capitalization (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.32% of loans.

What changed this quarter

Compared to Q2 2024:
↓ -3 ptscomposite
  • Liquidity
    ↓ -6
  • Securities
    ↑ +6
  • Capitalization
    — —
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -17

The five pillars

Liquidity

StrongQoQ -6
93
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 47.2%, cash 6.9% of assets.

Cash / Assets
6.89%
Loans / Deposits
47.16%
Brokered %
0.00%
No watch items at this period.

Securities

StrongQoQ +6
90
Sub-score

Securities profile is strong: securities 23.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
23.06%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 27.63%, CET1 27.63%, leverage 10.72%.

Tier 1 RBC
27.63%
CET1
27.63%
Leverage
10.72%
No watch items at this period.

Asset Quality

StrongQoQ -1
99
Sub-score

Asset quality is strong: Adjusted NPL 0.26%, Texas Ratio 1.0%, NCO YTD 0.00%.

Adjusted NPL
0.26%
Govt-guarantees stripped
Texas Ratio
1.0%
NCO YTD
0.00%
30-89 PD
0.26%
Band 0.3% / 3.0%
90+ PD
0.26%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -17
49
Sub-score

Reserves are deteriorating: ALLL 0.32% of loans, coverage 122.7%, true coverage 122.7%.

ALLL / Loans
0.32%
Coverage
122.7%
True Loss Coverage
122.7%

Watch Items

  • riskALLL / Loans below 0.75% — ALLL 0.32% 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: 2026-05-13 20:57:54 UTC