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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 — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
89
/ 100
StrongAs of 2024-Q1QoQ +6

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

Quarterly Headline

2024-Q1

Bank #237066 2024-Q1 Vital Signs Score: 89/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

  1. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.82% of loans.

What changed this quarter

Compared to Q4 2023:
↑ +6 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↑ +8
  • Reserves
    ↑ +31

The five pillars

Liquidity

StrongQoQ 0
100
Sub-score

Liquidity is strong: brokered 0.4%, loans/deposits 62.1%, cash 18.3% of assets.

Cash / Assets
18.27%
Loans / Deposits
62.14%
Brokered %
0.42%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 7.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
7.39%
No watch items at this period.

Capitalization

StrongQoQ -2
96
Sub-score

Capital position is strong: Tier 1 RBC 15.27%, CET1 15.27%, leverage 9.32%.

Tier 1 RBC
15.27%
CET1
15.27%
Leverage
9.32%
No watch items at this period.

Asset Quality

StableQoQ +8
75
Sub-score

Asset quality is stable: Adjusted NPL 1.69%, Texas Ratio 9.2%, NCO YTD 1.82%.

Adjusted NPL
1.69%
Govt-guarantees stripped
Texas Ratio
9.2%
NCO YTD
1.82%
30-89 PD
0.08%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 1.82% of loans.

Reserves

StableQoQ +31
77
Sub-score

Reserves are stable: ALLL 1.65% of loans, coverage 99.3%, true coverage 99.3%.

ALLL / Loans
1.65%
Coverage
99.3%
True Loss Coverage
99.3%
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