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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-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
86
/ 100
StrongAs of 2024-Q3QoQ +5

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

Quarterly Headline

2024-Q3

Bank #278751 2024-Q3 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Reserves (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 Q2 2024:
↑ +5 ptscomposite
  • Liquidity
    ↓ -14
  • Securities
    ↓ -9
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ +26
  • Reserves
    ↑ +20

The five pillars

Liquidity

StrongQoQ -14
85
Sub-score

Liquidity is strong: brokered 22.4%, loans/deposits 35.7%, cash 25.4% of assets.

Cash / Assets
25.37%
Loans / Deposits
35.73%
Brokered %
22.37%
No watch items at this period.

Securities

WatchQoQ -9
46
Sub-score

Securities profile is deteriorating: securities 36.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
36.19%
No watch items at this period.

Capitalization

StrongQoQ -1
93
Sub-score

Capital position is strong: Tier 1 RBC 24.42%, CET1 24.42%, leverage 8.38%.

Tier 1 RBC
24.42%
CET1
24.42%
Leverage
8.38%
No watch items at this period.

Asset Quality

StrongQoQ +26
96
Sub-score

Asset quality is strong: Adjusted NPL 0.08%, Texas Ratio 0.3%, NCO YTD 0.00%.

Adjusted NPL
0.08%
Govt-guarantees stripped
Texas Ratio
0.3%
NCO YTD
0.00%
30-89 PD
0.88%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +20
100
Sub-score

Reserves are strong: ALLL 1.51% of loans, coverage 2022.2%, true coverage 2022.2%.

ALLL / Loans
1.51%
Coverage
2022.2%
True Loss Coverage
2022.2%
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