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Western Bank

IDRSSD: 723653
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
90
/ 100
StrongAs of 2023-Q4QoQ +3

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 #723653 2023-Q4 Vital Signs Score: 90/100 — overall strong. Strongest pillar: Capitalization (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q3 2023:
↑ +3 ptscomposite
  • Liquidity
    ↑ +5
  • Securities
    ↑ +5
  • Capitalization
    — —
  • Asset Quality
    ↓ -4
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +5
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 28.4%, cash 10.0% of assets.

Cash / Assets
10.00%
Loans / Deposits
28.39%
Brokered %
0.00%
No watch items at this period.

Securities

RiskQoQ +5
36
Sub-score

Securities profile is weak: securities 39.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
39.11%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 34.16%, CET1 34.16%, leverage 13.11%.

Tier 1 RBC
34.16%
CET1
34.16%
Leverage
13.11%
No watch items at this period.

Asset Quality

StrongQoQ -4
96
Sub-score

Asset quality is strong: Adjusted NPL 0.63%, Texas Ratio 1.2%, NCO YTD 0.02%.

Adjusted NPL
0.63%
Govt-guarantees stripped
Texas Ratio
1.2%
NCO YTD
0.02%
30-89 PD
0.66%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 2.19% of loans, coverage 352.8%, true coverage 352.8%.

ALLL / Loans
2.19%
Coverage
352.8%
True Loss Coverage
352.8%
No watch items at this period.

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 01:16:05 UTC