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Western Alliance Bank

IDRSSD: 3138146
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
65
/ 100
StableAs of 2024-Q3QoQ 0

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

Quarterly Headline

2024-Q3

Bank #3138146 2024-Q3 Vital Signs Score: 65/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 31.9% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 37.6% (regulatory soft-warning level 50%).
  3. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.64% of loans.

What changed this quarter

Compared to Q2 2024:
↓ 0 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↑ +1
  • Reserves
    ↓ 0

The five pillars

Liquidity

StableQoQ -3
61
Sub-score

Liquidity is stable: brokered 27.9%, loans/deposits 81.4%, cash 3.2% of assets.

Cash / Assets
3.24%
Loans / Deposits
81.40%
Brokered %
27.90%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 8.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
8.88%
No watch items at this period.

Capitalization

StableQoQ +1
72
Sub-score

Capital position is stable: Tier 1 RBC 12.12%, CET1 12.12%, leverage 7.93%.

Tier 1 RBC
12.12%
CET1
12.12%
Leverage
7.93%
No watch items at this period.

Asset Quality

StableQoQ +1
78
Sub-score

Asset quality is stable: Adjusted NPL 1.70%, Texas Ratio 13.6%, NCO YTD 0.19%.

Adjusted NPL
1.70%
Govt-guarantees stripped
Texas Ratio
13.6%
NCO YTD
0.19%
30-89 PD
0.57%
Band 0.3% / 3.0%
90+ PD
1.08%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.08%.

Reserves

RiskQoQ 0
5
Sub-score

Reserves are weak: ALLL 0.64% of loans, coverage 37.6%, true coverage 31.9%.

ALLL / Loans
0.64%
Coverage
37.6%
True Loss Coverage
31.9%

Watch Items

  • watchALLL / NPL below 50% — Coverage 37.6% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 31.9% (Adjusted NPL + Performing Mods denominator).
  • 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: 2026-05-14 03:50:24 UTC