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West Town Bank And Trust

IDRSSD: 857576
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
70
/ 100
StableAs of 2024-Q2QoQ -3

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

Quarterly Headline

2024-Q2

Bank #857576 2024-Q2 Vital Signs Score: 70/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 37.3% (Adjusted NPL + Performing Mods denominator).
  2. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 106.9% (threshold 100%).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.00% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2024:
↓ -3 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -6
  • Asset Quality
    ↓ -4
  • Reserves
    ↑ +2

The five pillars

Liquidity

WatchQoQ -2
55
Sub-score

Liquidity is deteriorating: brokered 34.1%, loans/deposits 106.9%, cash 7.0% of assets.

Cash / Assets
7.00%
Loans / Deposits
106.88%
Brokered %
34.09%

Watch Items

  • infoBrokered deposits above 30% — Brokered 34.1% of deposits (threshold 30%).
  • watchLoans / Deposits above 100% — Loans/Deposits 106.9% (threshold 100%).

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

StrongQoQ -6
94
Sub-score

Capital position is strong: Tier 1 RBC 13.54%, CET1 13.54%, leverage 12.03%.

Tier 1 RBC
13.54%
CET1
13.54%
Leverage
12.03%
No watch items at this period.

Asset Quality

WatchQoQ -4
60
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.00%, Texas Ratio 26.6%, NCO YTD 0.99%.

Adjusted NPL
4.00%
Govt-guarantees stripped
Texas Ratio
26.6%
NCO YTD
0.99%
30-89 PD
0.31%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.00% (govt-guarantees stripped).

Reserves

RiskQoQ +2
37
Sub-score

Reserves are weak: ALLL 1.80% of loans, coverage 45.8%, true coverage 37.3%.

ALLL / Loans
1.80%
Coverage
45.8%
True Loss Coverage
37.3%

Watch Items

  • infoALLL / NPL below 50% — Coverage 45.8% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 37.3% (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: 2026-05-15 08:33:20 UTC