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Webbank

IDRSSD: 2576134
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
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Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2023-Q4QoQ +12

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

Quarterly Headline

2023-Q4

Bank #2576134 2023-Q4 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (risk).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 86.6% of deposits (threshold 30%).
  2. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 8.37% of loans.
  3. watch
    Uninsured deposits above 50%
    Liquidity — Uninsured 80.0% of deposits (threshold 50%).

What changed this quarter

Compared to Q3 2023:
↑ +12 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↑ +5
  • Asset Quality
    ↑ +31
  • Reserves
    — —

The five pillars

Liquidity

RiskQoQ 0
35
Sub-score

Liquidity is weak: brokered 86.6%, loans/deposits 94.6%, cash 4.5% of assets.

Cash / Assets
4.45%
Loans / Deposits
94.57%
Brokered %
86.56%

Watch Items

  • riskBrokered deposits above 30% — Brokered 86.6% of deposits (threshold 30%).
  • watchUninsured deposits above 50% — Uninsured 80.0% of deposits (threshold 50%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 12.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
12.89%
No watch items at this period.

Capitalization

StrongQoQ +5
100
Sub-score

Capital position is strong: Tier 1 RBC 14.36%, CET1 14.36%, leverage 13.02%.

Tier 1 RBC
14.36%
CET1
14.36%
Leverage
13.02%
No watch items at this period.

Asset Quality

StableQoQ +31
71
Sub-score

Asset quality is stable: Adjusted NPL 0.81%, Texas Ratio 4.4%, NCO YTD 8.37%.

Adjusted NPL
0.81%
Govt-guarantees stripped
Texas Ratio
4.4%
NCO YTD
8.37%
30-89 PD
0.79%
Band 0.3% / 3.0%
90+ PD
0.77%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 8.37% of loans.

Reserves

Strong
84
Sub-score

Reserves are strong: ALLL 1.28% of loans, coverage 160.6%, true coverage 160.6%.

ALLL / Loans
1.28%
Coverage
160.6%
True Loss Coverage
160.6%
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 11:56:05 UTC