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Western Bank

IDRSSD: 723653
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2024-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

2024-Q4

Bank #723653 2024-Q4 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Capitalization (strong). Weakest pillar: Securities (watch).

Liquidity:Strong
Securities:Watch
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 2024:
↓ -3 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    ↑ +4
  • Capitalization
    — —
  • Asset Quality
    ↓ -4
  • Reserves
    ↓ -15

The five pillars

Liquidity

StrongQoQ -3
90
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 28.9%, cash 5.6% of assets.

Cash / Assets
5.57%
Loans / Deposits
28.89%
Brokered %
0.00%
No watch items at this period.

Securities

WatchQoQ +4
41
Sub-score

Securities profile is deteriorating: securities 37.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
37.64%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 36.35%, CET1 36.35%, leverage 13.56%.

Tier 1 RBC
36.35%
CET1
36.35%
Leverage
13.56%
No watch items at this period.

Asset Quality

StrongQoQ -4
89
Sub-score

Asset quality is strong: Adjusted NPL 1.62%, Texas Ratio 2.9%, NCO YTD 0.22%.

Adjusted NPL
1.62%
Govt-guarantees stripped
Texas Ratio
2.9%
NCO YTD
0.22%
30-89 PD
0.22%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -15
85
Sub-score

Reserves are strong: ALLL 2.08% of loans, coverage 131.6%, true coverage 131.6%.

ALLL / Loans
2.08%
Coverage
131.6%
True Loss Coverage
131.6%
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