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West Michigan Community Bank

IDRSSD: 715340
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
74
/ 100
StableAs of 2024-Q3QoQ -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-Q3

Bank #715340 2024-Q3 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 100.7% (threshold 100%).
  3. info
    Cash / Assets below 3%
    Liquidity — Cash 2.38% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2024:
↓ -1 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -5

The five pillars

Liquidity

StableQoQ 0
67
Sub-score

Liquidity is stable: brokered 1.7%, loans/deposits 100.7%, cash 2.4% of assets.

Cash / Assets
2.38%
Loans / Deposits
100.73%
Brokered %
1.70%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 100.7% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.38% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.20%
No watch items at this period.

Capitalization

WatchQoQ +2
48
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.77%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.77%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StrongQoQ -2
93
Sub-score

Asset quality is strong: Adjusted NPL 1.06%, Texas Ratio 8.5%, NCO YTD 0.00%.

Adjusted NPL
1.06%
Govt-guarantees stripped
Texas Ratio
8.5%
NCO YTD
0.00%
30-89 PD
0.54%
Band 0.3% / 3.0%
90+ PD
0.19%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -5
73
Sub-score

Reserves are stable: ALLL 1.23% of loans, coverage 118.0%, true coverage 118.0%.

ALLL / Loans
1.23%
Coverage
118.0%
True Loss Coverage
118.0%
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 00:26:26 UTC