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Webbank

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

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
74
/ 100
StableAs of 2024-Q3QoQ -8

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

Quarterly Headline

2024-Q3

Bank #2576134 2024-Q3 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (risk).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 87.2% of deposits (threshold 30%).
  2. risk
    Uninsured deposits above 50%
    Liquidity — Uninsured 84.2% of deposits (threshold 50%).

What changed this quarter

Compared to Q2 2024:
↓ -8 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -13
  • Reserves
    ↓ -30

The five pillars

Liquidity

RiskQoQ -3
32
Sub-score

Liquidity is weak: brokered 87.2%, loans/deposits 96.1%, cash 3.5% of assets.

Cash / Assets
3.48%
Loans / Deposits
96.12%
Brokered %
87.19%

Watch Items

  • riskBrokered deposits above 30% — Brokered 87.2% of deposits (threshold 30%).
  • riskUninsured deposits above 50% — Uninsured 84.2% of deposits (threshold 50%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 14.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
14.29%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 17.52%, CET1 17.52%, leverage 16.17%.

Tier 1 RBC
17.52%
CET1
17.52%
Leverage
16.17%
No watch items at this period.

Asset Quality

StableQoQ -13
76
Sub-score

Asset quality is stable: Adjusted NPL 1.92%, Texas Ratio 8.4%, NCO YTD 0.71%.

Adjusted NPL
1.92%
Govt-guarantees stripped
Texas Ratio
8.4%
NCO YTD
0.71%
30-89 PD
1.00%
Band 0.3% / 3.0%
90+ PD
0.40%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -30
60
Sub-score

Reserves are stable: ALLL 1.46% of loans, coverage 77.0%, true coverage 77.0%.

ALLL / Loans
1.46%
Coverage
77.0%
True Loss Coverage
77.0%
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