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Western Alliance Bank

IDRSSD: 3138146
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
65
/ 100
StableAs of 2023-Q4QoQ -19

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 #3138146 2023-Q4 Vital Signs Score: 65/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 31.2% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 38.9% (regulatory soft-warning level 50%).
  3. watch
    Brokered deposits above 30%
    Liquidity — Brokered 35.7% of deposits (threshold 30%).

What changed this quarter

Compared to Q3 2023:
↓ -19 ptscomposite
  • Liquidity
    ↓ -10
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ -24
  • Reserves
    — —

The five pillars

Liquidity

WatchQoQ -10
51
Sub-score

Liquidity is deteriorating: brokered 35.7%, loans/deposits 92.6%, cash 2.2% of assets.

Cash / Assets
2.22%
Loans / Deposits
92.59%
Brokered %
35.68%

Watch Items

  • watchBrokered deposits above 30% — Brokered 35.7% of deposits (threshold 30%).
  • infoCash / Assets below 3% — Cash 2.22% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 8.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
8.86%
No watch items at this period.

Capitalization

StableQoQ +3
78
Sub-score

Capital position is stable: Tier 1 RBC 11.86%, CET1 11.86%, leverage 8.78%.

Tier 1 RBC
11.86%
CET1
11.86%
Leverage
8.78%
No watch items at this period.

Asset Quality

StableQoQ -24
76
Sub-score

Asset quality is stable: Adjusted NPL 1.68%, Texas Ratio 13.2%, NCO YTD 0.07%.

Adjusted NPL
1.68%
Govt-guarantees stripped
Texas Ratio
13.2%
NCO YTD
0.07%
30-89 PD
0.87%
Band 0.3% / 3.0%
90+ PD
1.15%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.15%.

Reserves

Risk
6
Sub-score

Reserves are weak: ALLL 0.65% of loans, coverage 38.9%, true coverage 31.2%.

ALLL / Loans
0.65%
Coverage
38.9%
True Loss Coverage
31.2%

Watch Items

  • watchALLL / NPL below 50% — Coverage 38.9% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 31.2% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.65% 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: 2026-05-14 03:50:24 UTC