Visbanking Logo
Skip to main content

Webbank

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

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2024-Q1QoQ +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-Q1

Bank #2576134 2024-Q1 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (risk).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 85.8% of deposits (threshold 30%).
  2. watch
    Uninsured deposits above 50%
    Liquidity — Uninsured 77.0% of deposits (threshold 50%).

What changed this quarter

Compared to Q4 2023:
↑ +3 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +11
  • Reserves
    ↑ +3

The five pillars

Liquidity

RiskQoQ 0
35
Sub-score

Liquidity is weak: brokered 85.8%, loans/deposits 93.9%, cash 3.7% of assets.

Cash / Assets
3.73%
Loans / Deposits
93.85%
Brokered %
85.80%

Watch Items

  • riskBrokered deposits above 30% — Brokered 85.8% of deposits (threshold 30%).
  • watchUninsured deposits above 50% — Uninsured 77.0% of deposits (threshold 50%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 13.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
13.89%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 15.63%, CET1 15.63%, leverage 14.22%.

Tier 1 RBC
15.63%
CET1
15.63%
Leverage
14.22%
No watch items at this period.

Asset Quality

StrongQoQ +11
83
Sub-score

Asset quality is strong: Adjusted NPL 0.72%, Texas Ratio 3.5%, NCO YTD 0.89%.

Adjusted NPL
0.72%
Govt-guarantees stripped
Texas Ratio
3.5%
NCO YTD
0.89%
30-89 PD
0.82%
Band 0.3% / 3.0%
90+ PD
0.67%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +3
86
Sub-score

Reserves are strong: ALLL 1.25% of loans, coverage 176.4%, true coverage 176.4%.

ALLL / Loans
1.25%
Coverage
176.4%
True Loss Coverage
176.4%
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