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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 — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
73
/ 100
StableAs of 2024-Q4QoQ -1

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

Quarterly Headline

2024-Q4

Bank #2576134 2024-Q4 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (risk).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 83.3% of deposits (threshold 30%).
  2. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.94% of assets (threshold 3%).
  3. watch
    Uninsured deposits above 50%
    Liquidity — Uninsured 74.6% of deposits (threshold 50%).

What changed this quarter

Compared to Q3 2024:
↓ -1 ptscomposite
  • Liquidity
    ↓ -10
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +5
  • Reserves
    ↓ -2

The five pillars

Liquidity

RiskQoQ -10
23
Sub-score

Liquidity is weak: brokered 83.3%, loans/deposits 108.5%, cash 0.9% of assets.

Cash / Assets
0.94%
Loans / Deposits
108.52%
Brokered %
83.31%

Watch Items

  • riskBrokered deposits above 30% — Brokered 83.3% of deposits (threshold 30%).
  • watchUninsured deposits above 50% — Uninsured 74.6% of deposits (threshold 50%).
  • watchLoans / Deposits above 100% — Loans/Deposits 108.5% (threshold 100%).
  • riskCash / Assets below 3% — Cash 0.94% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 6.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
6.10%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 17.40%, CET1 17.40%, leverage 17.79%.

Tier 1 RBC
17.40%
CET1
17.40%
Leverage
17.79%
No watch items at this period.

Asset Quality

StrongQoQ +5
81
Sub-score

Asset quality is strong: Adjusted NPL 1.98%, Texas Ratio 8.9%, NCO YTD -0.55%.

Adjusted NPL
1.98%
Govt-guarantees stripped
Texas Ratio
8.9%
NCO YTD
-0.55%
30-89 PD
0.79%
Band 0.3% / 3.0%
90+ PD
0.51%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -2
58
Sub-score

Reserves are deteriorating: ALLL 1.45% of loans, coverage 74.4%, true coverage 74.4%.

ALLL / Loans
1.45%
Coverage
74.4%
True Loss Coverage
74.4%
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