Visbanking Logo
Skip to main content

Webster Five Cents Savings Bank

IDRSSD: 765505
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 2 alerts active.

Summary

RSSD 765505 held $1.3B in total assets as of 2026-03-31 (+0.9% quarter-over-quarter). Total loans stood at $982.4M (-0.3% QoQ) and total deposits at $1.0B (+1.9% QoQ).

Overall position is weak — the composite Health Score is 26/100 (Weak). Tier 1 capital data is unavailable for this period. Asset quality (NPL ratio) sits in the bottom quartile of peers.

2 Quarterly Anomaly Alerts fired this quarter, including 1 critical-severity row. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
26/100
Weak
Active Alerts
2
1 critical, 1 warning
Total Assets
$1.3B
+0.9% QoQ
Total Loans
$982.4M
-0.3% QoQ
Total Deposits
$1.0B
+1.9% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
—
data pending↑ better
CET1 / RWA
0.00%
16th pctile · n=500↑ better
Total RBC / RWA
—
data pending↑ better
Tier 1 Leverage Ratio
0.00%
16th pctile · n=500↑ better

Liquidity

Cash / Assets
2.22%
18th pctile · n=500↑ better
+26 bp QoQ
Loans / Deposits
97.12%
82th pctile · n=497↓ better
-218 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
1.16%
77th pctile · n=500↓ better
+40 bp QoQ
NPA / Assets
0.87%
75th pctile · n=500↓ better
+29 bp QoQ
Texas Ratio (regulatory)
6.80%
74th pctile · n=500↓ better
+232 bp QoQ
Net Charge-Offs / Avg Loans
0.85%
96th pctile · n=500↓ better
+22 bp QoQ
ALLL Coverage of NPL
71.27%
20th pctile · n=500↑ better
-5839 bp QoQ

Earnings

Net Interest Margin
3.59%
38th pctile · n=500↑ better
-3 bp QoQ
Return on Assets
0.73%
21th pctile · n=500↑ better
+11 bp QoQ
Return on Equity
6.26%
17th pctile · n=500↑ better
+84 bp QoQ
Efficiency Ratio
71.57%
77th pctile · n=500↓ better
+272 bp QoQ
Pre-tax NOI / Avg Assets
0.93%
22th pctile · n=500↑ better
+14 bp QoQ

Funding

Brokered / Deposits
1.97%
54th pctile · n=497↓ better
-4 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
11.42%
92th pctile · n=500↓ better
-85 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
17.20%
59th pctile · n=500↑ better
+77 bp QoQ
AFS Securities / Assets
17.20%
65th pctile · n=500↑ better
+77 bp QoQ
HTM Securities / Assets
0.00%
28th pctile · n=500↑ better

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-14 19:44:17 UTC