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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2025-Q4QoQ +8

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q4

Bank #2371816 2025-Q4 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 120.0% (threshold 100%).
  2. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.55% of assets (threshold 3%).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.22% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↑ +8 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +16
  • Reserves
    ↑ +27

The five pillars

Liquidity

WatchQoQ -1
49
Sub-score

Liquidity is deteriorating: brokered 16.5%, loans/deposits 120.0%, cash 0.5% of assets.

Cash / Assets
0.55%
Loans / Deposits
120.03%
Brokered %
16.51%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 120.0% (threshold 100%).
  • riskCash / Assets below 3% — Cash 0.55% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.94%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 21.85%, CET1 21.85%, leverage 18.29%.

Tier 1 RBC
21.85%
CET1
21.85%
Leverage
18.29%
No watch items at this period.

Asset Quality

StrongQoQ +16
85
Sub-score

Asset quality is strong: Adjusted NPL 2.22%, Texas Ratio 9.4%, NCO YTD -0.01%.

Adjusted NPL
2.22%
Govt-guarantees stripped
Texas Ratio
9.4%
NCO YTD
-0.01%
30-89 PD
0.04%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.22% (govt-guarantees stripped).

Reserves

StableQoQ +27
65
Sub-score

Reserves are stable: ALLL 1.81% of loans, coverage 83.1%, true coverage 80.6%.

ALLL / Loans
1.81%
Coverage
83.1%
True Loss Coverage
80.6%
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 11:47:33 UTC