Liquidity
StableQoQ +3
76
Sub-score
Liquidity is stable: brokered 0.0%, loans/deposits 91.0%, cash 4.1% of assets.
- Cash / Assets
- 4.06%
- Loans / Deposits
- 90.99%
- Brokered %
- 0.00%
No watch items at this period.
Waumandee State Bank
IDRSSD: 780955
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2024-Q4
Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
84
/ 100
StrongAs of 2024-Q4QoQ 0
Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.
Quarterly Headline
2024-Q4
Bank #780955 2024-Q4 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).
Liquidity:Stable
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Stable
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q3 2024:
↑ 0 ptscomposite
- Liquidity↑ +3
- Securities— —
- Capitalization↑ +3
- Asset Quality↑ +4
- Reserves↓ -15
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 4.0% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 4.01%
SVB watch metric
No watch items at this period.
Capitalization
StableQoQ +3
76
Sub-score
Capital position is stable: Tier 1 RBC 12.08%, CET1 12.08%, leverage 9.06%.
- Tier 1 RBC
- 12.08%
- CET1
- 12.08%
- Leverage
- 9.06%
No watch items at this period.
Asset Quality
StrongQoQ +4
97
Sub-score
Asset quality is strong: Adjusted NPL 0.74%, Texas Ratio 5.7%, NCO YTD -0.01%.
- Adjusted NPL
- 0.74%
- Texas Ratio
- 5.7%
- NCO YTD
- -0.01%
- 30-89 PD
- 0.37%
- 90+ PD
- 0.00%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StableQoQ -15
69
Sub-score
Reserves are stable: ALLL 1.05% of loans, coverage 143.5%, true coverage 92.5%.
- ALLL / Loans
- 1.05%
- Coverage
- 143.5%
- True Loss Coverage
- 92.5%
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.tsfor 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: 2026-05-12 01:12:05 UTC