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Webbank

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

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2025-Q3QoQ +4

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

Quarterly Headline

2025-Q3

Bank #2576134 2025-Q3 Vital Signs Score: 82/100 — 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 80.3% of deposits (threshold 30%).
  2. watch
    Uninsured deposits above 50%
    Liquidity — Uninsured 72.3% of deposits (threshold 50%).
  3. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 108.3% (threshold 100%).

What changed this quarter

Compared to Q2 2025:
↑ +4 ptscomposite
  • Liquidity
    ↑ +7
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +4
  • Reserves
    ↑ +12

The five pillars

Liquidity

RiskQoQ +7
37
Sub-score

Liquidity is weak: brokered 80.3%, loans/deposits 108.3%, cash 6.9% of assets.

Cash / Assets
6.91%
Loans / Deposits
108.30%
Brokered %
80.26%

Watch Items

  • riskBrokered deposits above 30% — Brokered 80.3% of deposits (threshold 30%).
  • watchUninsured deposits above 50% — Uninsured 72.3% of deposits (threshold 50%).
  • watchLoans / Deposits above 100% — Loans/Deposits 108.3% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.74%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 18.85%, CET1 18.85%, leverage 17.14%.

Tier 1 RBC
18.85%
CET1
18.85%
Leverage
17.14%
No watch items at this period.

Asset Quality

StrongQoQ +4
90
Sub-score

Asset quality is strong: Adjusted NPL 0.73%, Texas Ratio 3.3%, NCO YTD 0.38%.

Adjusted NPL
0.73%
Govt-guarantees stripped
Texas Ratio
3.3%
NCO YTD
0.38%
30-89 PD
0.95%
Band 0.3% / 3.0%
90+ PD
0.24%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +12
80
Sub-score

Reserves are strong: ALLL 1.17% of loans, coverage 161.3%, true coverage 161.3%.

ALLL / Loans
1.17%
Coverage
161.3%
True Loss Coverage
161.3%
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