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Western Alliance Bank

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

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
69
/ 100
StableAs of 2025-Q3QoQ +3

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

Quarterly Headline

2025-Q3

Bank #3138146 2025-Q3 Vital Signs Score: 69/100 — 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 31.2% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 34.9% (regulatory soft-warning level 50%).
  3. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.23%.

What changed this quarter

Compared to Q2 2025:
↑ +3 ptscomposite
  • Liquidity
    ↑ +15
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↓ -2
  • Reserves
    ↑ +2

The five pillars

Liquidity

StableQoQ +15
77
Sub-score

Liquidity is stable: brokered 17.4%, loans/deposits 77.5%, cash 6.3% of assets.

Cash / Assets
6.34%
Loans / Deposits
77.50%
Brokered %
17.41%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 7.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
7.59%
No watch items at this period.

Capitalization

StableQoQ 0
78
Sub-score

Capital position is stable: Tier 1 RBC 12.79%, CET1 12.30%, leverage 8.29%.

Tier 1 RBC
12.79%
CET1
12.30%
Leverage
8.29%
No watch items at this period.

Asset Quality

StableQoQ -2
72
Sub-score

Asset quality is stable: Adjusted NPL 2.10%, Texas Ratio 15.7%, NCO YTD 0.21%.

Adjusted NPL
2.10%
Govt-guarantees stripped
Texas Ratio
15.7%
NCO YTD
0.21%
30-89 PD
0.62%
Band 0.3% / 3.0%
90+ PD
1.23%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.10% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.23%.

Reserves

RiskQoQ +2
8
Sub-score

Reserves are weak: ALLL 0.73% of loans, coverage 34.9%, true coverage 31.2%.

ALLL / Loans
0.73%
Coverage
34.9%
True Loss Coverage
31.2%

Watch Items

  • watchALLL / NPL below 50% — Coverage 34.9% (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 0.73% 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