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Western National Bank

IDRSSD: 278751
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2025-Q2QoQ +13

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

Quarterly Headline

2025-Q2

Bank #278751 2025-Q2 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Capitalization (strong). Weakest pillar: Securities (watch).

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

Top 3 Watch Items

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

What changed this quarter

Compared to Q1 2025:
↑ +13 ptscomposite
  • Liquidity
    ↑ +5
  • Securities
    ↑ +27
  • Capitalization
    ↑ +53
  • Asset Quality
    ↓ -14
  • Reserves
    ↓ -11

The five pillars

Liquidity

StrongQoQ +5
86
Sub-score

Liquidity is strong: brokered 20.5%, loans/deposits 39.4%, cash 25.3% of assets.

Cash / Assets
25.33%
Loans / Deposits
39.38%
Brokered %
20.55%
No watch items at this period.

Securities

WatchQoQ +27
57
Sub-score

Securities profile is deteriorating: securities 32.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
32.78%
No watch items at this period.

Capitalization

StrongQoQ +53
99
Sub-score

Capital position is strong: Tier 1 RBC 26.34%, CET1 26.34%, leverage 9.67%.

Tier 1 RBC
26.34%
CET1
26.34%
Leverage
9.67%
No watch items at this period.

Asset Quality

StableQoQ -14
73
Sub-score

Asset quality is stable: Adjusted NPL 1.20%, Texas Ratio 4.0%, NCO YTD -0.03%.

Adjusted NPL
1.20%
Govt-guarantees stripped
Texas Ratio
4.0%
NCO YTD
-0.03%
30-89 PD
3.13%
Band 0.3% / 3.0%
90+ PD
0.56%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -11
89
Sub-score

Reserves are strong: ALLL 1.80% of loans, coverage 152.5%, true coverage 152.5%.

ALLL / Loans
1.80%
Coverage
152.5%
True Loss Coverage
152.5%
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