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West Point Bank

IDRSSD: 79042
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
70
/ 100
StableAs of 2025-Q3QoQ -6

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 #79042 2025-Q3 Vital Signs Score: 70/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.65% of assets (threshold 3%).
  2. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.50% of loans.

What changed this quarter

Compared to Q2 2025:
↓ -6 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -38

The five pillars

Liquidity

StableQoQ -1
60
Sub-score

Liquidity is stable: brokered 13.7%, loans/deposits 93.7%, cash 1.7% of assets.

Cash / Assets
1.65%
Loans / Deposits
93.73%
Brokered %
13.68%

Watch Items

  • watchCash / Assets below 3% — Cash 1.65% 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 +3
59
Sub-score

Capital position is deteriorating: Tier 1 RBC 11.03%, CET1 11.03%, leverage 8.16%.

Tier 1 RBC
11.03%
CET1
11.03%
Leverage
8.16%
No watch items at this period.

Asset Quality

StrongQoQ -2
96
Sub-score

Asset quality is strong: Adjusted NPL 0.47%, Texas Ratio 4.3%, NCO YTD 0.00%.

Adjusted NPL
0.47%
Govt-guarantees stripped
Texas Ratio
4.3%
NCO YTD
0.00%
30-89 PD
0.60%
Band 0.3% / 3.0%
90+ PD
0.32%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -38
29
Sub-score

Reserves are weak: ALLL 0.50% of loans, coverage 108.0%, true coverage 64.5%.

ALLL / Loans
0.50%
Coverage
108.0%
True Loss Coverage
64.5%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.50% 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