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Webbank

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

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
74
/ 100
StableAs of 2025-Q1QoQ 0

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

Quarterly Headline

2025-Q1

Bank #2576134 2025-Q1 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 83.5% of deposits (threshold 30%).
  2. watch
    Uninsured deposits above 50%
    Liquidity — Uninsured 74.4% of deposits (threshold 50%).
  3. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 106.6% (threshold 100%).

What changed this quarter

Compared to Q4 2024:
↑ 0 ptscomposite
  • Liquidity
    ↑ +8
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -9
  • Reserves
    ↑ +5

The five pillars

Liquidity

RiskQoQ +8
31
Sub-score

Liquidity is weak: brokered 83.5%, loans/deposits 106.6%, cash 4.2% of assets.

Cash / Assets
4.19%
Loans / Deposits
106.61%
Brokered %
83.48%

Watch Items

  • riskBrokered deposits above 30% — Brokered 83.5% of deposits (threshold 30%).
  • watchUninsured deposits above 50% — Uninsured 74.4% of deposits (threshold 50%).
  • watchLoans / Deposits above 100% — Loans/Deposits 106.6% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 6.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
6.23%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 18.25%, CET1 18.25%, leverage 18.80%.

Tier 1 RBC
18.25%
CET1
18.25%
Leverage
18.80%
No watch items at this period.

Asset Quality

StableQoQ -9
72
Sub-score

Asset quality is stable: Adjusted NPL 1.40%, Texas Ratio 6.0%, NCO YTD 1.87%.

Adjusted NPL
1.40%
Govt-guarantees stripped
Texas Ratio
6.0%
NCO YTD
1.87%
30-89 PD
0.78%
Band 0.3% / 3.0%
90+ PD
0.28%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 1.87% of loans.

Reserves

StableQoQ +5
63
Sub-score

Reserves are stable: ALLL 1.25% of loans, coverage 90.5%, true coverage 90.5%.

ALLL / Loans
1.25%
Coverage
90.5%
True Loss Coverage
90.5%
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