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West Pointe Bank

IDRSSD: 2371816
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
73
/ 100
StableAs of 2025-Q3QoQ 0

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 #2371816 2025-Q3 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 118.8% (threshold 100%).
  2. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.75% of assets (threshold 3%).
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 39.7% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q2 2025:
↓ 0 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -1

The five pillars

Liquidity

WatchQoQ +1
50
Sub-score

Liquidity is deteriorating: brokered 15.4%, loans/deposits 118.8%, cash 0.7% of assets.

Cash / Assets
0.75%
Loans / Deposits
118.82%
Brokered %
15.37%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 118.8% (threshold 100%).
  • riskCash / Assets below 3% — Cash 0.75% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.25%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 22.22%, CET1 22.22%, leverage 18.28%.

Tier 1 RBC
22.22%
CET1
22.22%
Leverage
18.28%
No watch items at this period.

Asset Quality

StableQoQ -1
69
Sub-score

Asset quality is stable: Adjusted NPL 3.98%, Texas Ratio 16.8%, NCO YTD 0.03%.

Adjusted NPL
3.98%
Govt-guarantees stripped
Texas Ratio
16.8%
NCO YTD
0.03%
30-89 PD
0.06%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.98% (govt-guarantees stripped).

Reserves

RiskQoQ -1
38
Sub-score

Reserves are weak: ALLL 1.58% of loans, coverage 40.4%, true coverage 39.7%.

ALLL / Loans
1.58%
Coverage
40.4%
True Loss Coverage
39.7%

Watch Items

  • infoALLL / NPL below 50% — Coverage 40.4% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 39.7% (Adjusted NPL + Performing Mods denominator).

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 11:47:33 UTC