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Western National Bank

IDRSSD: 278751
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
81
/ 100
StrongAs of 2024-Q2QoQ 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-Q2

Bank #278751 2024-Q2 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Securities (watch).

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

Top 3 Watch Items

  1. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.42%.

What changed this quarter

Compared to Q1 2024:
↓ 0 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    ↑ +24
  • Capitalization
    ↑ +6
  • Asset Quality
    ↓ -7
  • Reserves
    ↓ -20

The five pillars

Liquidity

StrongQoQ -1
99
Sub-score

Liquidity is strong: brokered 1.4%, loans/deposits 32.5%, cash 25.8% of assets.

Cash / Assets
25.81%
Loans / Deposits
32.54%
Brokered %
1.37%
No watch items at this period.

Securities

WatchQoQ +24
55
Sub-score

Securities profile is deteriorating: securities 33.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
33.43%
No watch items at this period.

Capitalization

StrongQoQ +6
95
Sub-score

Capital position is strong: Tier 1 RBC 20.11%, CET1 20.11%, leverage 8.72%.

Tier 1 RBC
20.11%
CET1
20.11%
Leverage
8.72%
No watch items at this period.

Asset Quality

StableQoQ -7
70
Sub-score

Asset quality is stable: Adjusted NPL 1.42%, Texas Ratio 5.0%, NCO YTD 0.03%.

Adjusted NPL
1.42%
Govt-guarantees stripped
Texas Ratio
5.0%
NCO YTD
0.03%
30-89 PD
1.92%
Band 0.3% / 3.0%
90+ PD
1.42%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.42%.

Reserves

StableQoQ -20
80
Sub-score

Reserves are stable: ALLL 1.51% of loans, coverage 108.4%, true coverage 108.4%.

ALLL / Loans
1.51%
Coverage
108.4%
True Loss Coverage
108.4%
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: 2026-05-14 06:22:29 UTC