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Webbank

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

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
85
/ 100
StrongAs of 2025-Q4QoQ +3

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

Quarterly Headline

2025-Q4

Bank #2576134 2025-Q4 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 79.9% of deposits (threshold 30%).
  2. watch
    Uninsured deposits above 50%
    Liquidity — Uninsured 71.1% of deposits (threshold 50%).
  3. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.28% of loans.

What changed this quarter

Compared to Q3 2025:
↑ +3 ptscomposite
  • Liquidity
    ↑ +17
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -5
  • Reserves
    ↑ +3

The five pillars

Liquidity

WatchQoQ +17
54
Sub-score

Liquidity is deteriorating: brokered 79.9%, loans/deposits 89.0%, cash 13.1% of assets.

Cash / Assets
13.14%
Loans / Deposits
88.97%
Brokered %
79.94%

Watch Items

  • riskBrokered deposits above 30% — Brokered 79.9% of deposits (threshold 30%).
  • watchUninsured deposits above 50% — Uninsured 71.1% of deposits (threshold 50%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 7.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
7.36%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.68%, CET1 16.68%, leverage 17.08%.

Tier 1 RBC
16.68%
CET1
16.68%
Leverage
17.08%
No watch items at this period.

Asset Quality

StrongQoQ -5
85
Sub-score

Asset quality is strong: Adjusted NPL 0.40%, Texas Ratio 1.9%, NCO YTD 1.28%.

Adjusted NPL
0.40%
Govt-guarantees stripped
Texas Ratio
1.9%
NCO YTD
1.28%
30-89 PD
0.87%
Band 0.3% / 3.0%
90+ PD
0.23%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.28% of loans.

Reserves

StrongQoQ +3
83
Sub-score

Reserves are strong: ALLL 0.99% of loans, coverage 250.3%, true coverage 250.3%.

ALLL / Loans
0.99%
Coverage
250.3%
True Loss Coverage
250.3%
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