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West Texas National Bank

IDRSSD: 237066
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2023-Q4QoQ -14

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

Quarterly Headline

2023-Q4

Bank #237066 2023-Q4 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.14% (govt-guarantees stripped).
  2. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.15%.

What changed this quarter

Compared to Q3 2023:
↓ -14 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +7
  • Asset Quality
    ↓ -33
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +1
100
Sub-score

Liquidity is strong: brokered 0.1%, loans/deposits 60.3%, cash 18.9% of assets.

Cash / Assets
18.91%
Loans / Deposits
60.27%
Brokered %
0.14%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 7.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
7.93%
No watch items at this period.

Capitalization

StrongQoQ +7
98
Sub-score

Capital position is strong: Tier 1 RBC 14.21%, CET1 14.21%, leverage 9.66%.

Tier 1 RBC
14.21%
CET1
14.21%
Leverage
9.66%
No watch items at this period.

Asset Quality

StableQoQ -33
67
Sub-score

Asset quality is stable: Adjusted NPL 3.14%, Texas Ratio 16.9%, NCO YTD 0.02%.

Adjusted NPL
3.14%
Govt-guarantees stripped
Texas Ratio
16.9%
NCO YTD
0.02%
30-89 PD
0.33%
Band 0.3% / 3.0%
90+ PD
1.15%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.14% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.15%.

Reserves

Watch
47
Sub-score

Reserves are deteriorating: ALLL 1.71% of loans, coverage 55.5%, true coverage 55.5%.

ALLL / Loans
1.71%
Coverage
55.5%
True Loss Coverage
55.5%
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 01:27:27 UTC