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Webbank

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

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2024-Q2QoQ +2

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

Quarterly Headline

2024-Q2

Bank #2576134 2024-Q2 Vital Signs Score: 83/100 — 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 86.0% of deposits (threshold 30%).
  2. watch
    Uninsured deposits above 50%
    Liquidity — Uninsured 76.4% of deposits (threshold 50%).

What changed this quarter

Compared to Q1 2024:
↑ +2 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +6
  • Reserves
    ↑ +4

The five pillars

Liquidity

RiskQoQ 0
35
Sub-score

Liquidity is weak: brokered 86.0%, loans/deposits 94.3%, cash 3.8% of assets.

Cash / Assets
3.78%
Loans / Deposits
94.29%
Brokered %
86.03%

Watch Items

  • riskBrokered deposits above 30% — Brokered 86.0% of deposits (threshold 30%).
  • watchUninsured deposits above 50% — Uninsured 76.4% of deposits (threshold 50%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 14.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
14.15%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 17.09%, CET1 17.09%, leverage 15.22%.

Tier 1 RBC
17.09%
CET1
17.09%
Leverage
15.22%
No watch items at this period.

Asset Quality

StrongQoQ +6
88
Sub-score

Asset quality is strong: Adjusted NPL 0.43%, Texas Ratio 2.0%, NCO YTD 0.66%.

Adjusted NPL
0.43%
Govt-guarantees stripped
Texas Ratio
2.0%
NCO YTD
0.66%
30-89 PD
0.99%
Band 0.3% / 3.0%
90+ PD
0.39%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +4
91
Sub-score

Reserves are strong: ALLL 1.22% of loans, coverage 284.3%, true coverage 284.3%.

ALLL / Loans
1.22%
Coverage
284.3%
True Loss Coverage
284.3%
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