Visbanking Logo
Skip to main content

Wcf Financial Bank

IDRSSD: 935577
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
54
/ 100
WatchAs of 2025-Q4QoQ -11

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 #935577 2025-Q4 Vital Signs Score: 54/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 20.9% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 21.0% (regulatory soft-warning level 50%).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.35% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↓ -11 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↓ -24
  • Asset Quality
    ↓ -26
  • Reserves
    ↑ +9

The five pillars

Liquidity

StableQoQ 0
68
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 100.1%, cash 2.1% of assets.

Cash / Assets
2.15%
Loans / Deposits
100.06%
Brokered %
0.00%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 100.1% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.15% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.87%
No watch items at this period.

Capitalization

StableQoQ -24
64
Sub-score

Capital position is stable: Tier 1 RBC 11.30%, CET1 11.30%, leverage 8.06%.

Tier 1 RBC
11.30%
CET1
11.30%
Leverage
8.06%
No watch items at this period.

Asset Quality

RiskQoQ -26
27
Sub-score

Asset quality is weak: Adjusted NPL 5.35%, Texas Ratio 45.5%, NCO YTD 2.10%.

Adjusted NPL
5.35%
Govt-guarantees stripped
Texas Ratio
45.5%
NCO YTD
2.10%
30-89 PD
3.11%
Band 0.3% / 3.0%
90+ PD
0.12%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.35% (govt-guarantees stripped).
  • watchNet charge-offs elevated — NCO YTD 2.10% of loans.

Reserves

RiskQoQ +9
20
Sub-score

Reserves are weak: ALLL 1.11% of loans, coverage 21.0%, true coverage 20.9%.

ALLL / Loans
1.11%
Coverage
21.0%
True Loss Coverage
20.9%

Watch Items

  • riskALLL / NPL below 50% — Coverage 21.0% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 20.9% (Adjusted NPL + Performing Mods denominator).

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 06:49:24 UTC