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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-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2025-Q3QoQ -6

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

Quarterly Headline

2025-Q3

Bank #278751 2025-Q3 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Capitalization (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.49% of loans.

What changed this quarter

Compared to Q2 2025:
↓ -6 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    ↓ -43
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -6
  • Reserves
    ↑ +8

The five pillars

Liquidity

StrongQoQ +2
88
Sub-score

Liquidity is strong: brokered 17.6%, loans/deposits 40.6%, cash 11.4% of assets.

Cash / Assets
11.41%
Loans / Deposits
40.65%
Brokered %
17.56%
No watch items at this period.

Securities

RiskQoQ -43
15
Sub-score

Securities profile is weak: securities 45.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
45.60%
No watch items at this period.

Capitalization

StrongQoQ +1
100
Sub-score

Capital position is strong: Tier 1 RBC 23.91%, CET1 23.91%, leverage 9.94%.

Tier 1 RBC
23.91%
CET1
23.91%
Leverage
9.94%
No watch items at this period.

Asset Quality

StableQoQ -6
67
Sub-score

Asset quality is stable: Adjusted NPL 0.00%, Texas Ratio 0.0%, NCO YTD 2.49%.

Adjusted NPL
0.00%
Govt-guarantees stripped
Texas Ratio
0.0%
NCO YTD
2.49%
30-89 PD
3.05%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 2.49% of loans.

Reserves

StrongQoQ +8
98
Sub-score

Reserves are strong: ALLL 1.48% of loans.

ALLL / Loans
1.48%
Coverage
—
True Loss Coverage
—
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