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Western Commerce Bank

IDRSSD: 169756
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2024-Q2QoQ -9

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

Quarterly Headline

2024-Q2

Bank #169756 2024-Q2 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Capitalization (strong). Weakest pillar: Securities (watch).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.35% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2024:
↓ -9 ptscomposite
  • Liquidity
    ↓ -15
  • Securities
    ↓ -8
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ -6
  • Reserves
    ↓ -30

The five pillars

Liquidity

StrongQoQ -15
83
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 65.3%, cash 2.4% of assets.

Cash / Assets
2.35%
Loans / Deposits
65.32%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.35% of assets (threshold 3%).

Securities

WatchQoQ -8
47
Sub-score

Securities profile is deteriorating: securities 35.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
35.86%
No watch items at this period.

Capitalization

StrongQoQ +3
96
Sub-score

Capital position is strong: Tier 1 RBC 18.73%, CET1 18.73%, leverage 8.97%.

Tier 1 RBC
18.73%
CET1
18.73%
Leverage
8.97%
No watch items at this period.

Asset Quality

StrongQoQ -6
89
Sub-score

Asset quality is strong: Adjusted NPL 1.74%, Texas Ratio 10.2%, NCO YTD 0.00%.

Adjusted NPL
1.74%
Govt-guarantees stripped
Texas Ratio
10.2%
NCO YTD
0.00%
30-89 PD
0.20%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -30
50
Sub-score

Reserves are deteriorating: ALLL 1.24% of loans, coverage 72.4%, true coverage 72.4%.

ALLL / Loans
1.24%
Coverage
72.4%
True Loss Coverage
72.4%
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: 2026-05-12 20:35:34 UTC