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West Point Bank

IDRSSD: 79042
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
73
/ 100
StableAs of 2024-Q3QoQ -2

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 #79042 2024-Q3 Vital Signs Score: 73/100 — 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. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.55% of assets (threshold 3%).
  2. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.49% of loans.

What changed this quarter

Compared to Q2 2024:
↓ -2 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -11
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +2
61
Sub-score

Liquidity is stable: brokered 10.7%, loans/deposits 96.2%, cash 1.6% of assets.

Cash / Assets
1.55%
Loans / Deposits
96.19%
Brokered %
10.72%

Watch Items

  • watchCash / Assets below 3% — Cash 1.55% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

WatchQoQ -1
55
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.80%, CET1 10.80%, leverage 7.94%.

Tier 1 RBC
10.80%
CET1
10.80%
Leverage
7.94%
No watch items at this period.

Asset Quality

StrongQoQ -11
89
Sub-score

Asset quality is strong: Adjusted NPL 0.05%, Texas Ratio 0.4%, NCO YTD -0.01%.

Adjusted NPL
0.05%
Govt-guarantees stripped
Texas Ratio
0.4%
NCO YTD
-0.01%
30-89 PD
2.12%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Stable
67
Sub-score

Reserves are stable: ALLL 0.49% of loans, coverage 1066.9%, true coverage 122.8%.

ALLL / Loans
0.49%
Coverage
1066.9%
True Loss Coverage
122.8%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.49% of loans.

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 01:57:30 UTC