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West View Savings Bank

IDRSSD: 842376
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
65
/ 100
StableAs of 2025-Q4QoQ -2

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 #842376 2025-Q4 Vital Signs Score: 65/100 — overall stable. Strongest pillar: Asset Quality (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. info
    Brokered deposits above 30%
    Liquidity — Brokered 34.4% of deposits (threshold 30%).
  2. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.64% of loans.

What changed this quarter

Compared to Q3 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ -11
  • Securities
    ↑ +4
  • Capitalization
    ↓ -1
  • Asset Quality
    — —
  • Reserves
    ↑ 0

The five pillars

Liquidity

StableQoQ -11
65
Sub-score

Liquidity is stable: brokered 34.4%, loans/deposits 49.8%, cash 3.5% of assets.

Cash / Assets
3.46%
Loans / Deposits
49.77%
Brokered %
34.45%

Watch Items

  • infoBrokered deposits above 30% — Brokered 34.4% of deposits (threshold 30%).

Securities

RiskQoQ +4
4
Sub-score

Securities profile is weak: securities 48.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
48.84%
No watch items at this period.

Capitalization

StrongQoQ -1
99
Sub-score

Capital position is strong: Tier 1 RBC 24.40%, CET1 24.40%, leverage 9.66%.

Tier 1 RBC
24.40%
CET1
24.40%
Leverage
9.66%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.00%, Texas Ratio 0.0%, NCO YTD 0.00%.

Adjusted NPL
0.00%
Govt-guarantees stripped
Texas Ratio
0.0%
NCO YTD
0.00%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ 0
14
Sub-score

Reserves are weak: ALLL 0.64% of loans.

ALLL / Loans
0.64%
Coverage
—
True Loss Coverage
—

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.64% of loans.

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 05:17:30 UTC