Liquidity
StrongQoQ +4
92
Sub-score
Liquidity is strong: brokered 12.0%, loans/deposits 35.6%, cash 16.5% of assets.
- Cash / Assets
- 16.52%
- Loans / Deposits
- 35.64%
- Brokered %
- 12.00%
No watch items at this period.
Western National Bank
IDRSSD: 278751
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2025-Q4
Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
85
/ 100
StrongAs of 2025-Q4QoQ +8
Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.
Quarterly Headline
2025-Q4
Bank #278751 2025-Q4 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Capitalization (strong). Weakest pillar: Securities (risk).
Liquidity:Strong
Securities:Risk
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 Q3 2025:
↑ +8 ptscomposite
- Liquidity↑ +4
- Securities↑ +18
- Capitalization↓ -2
- Asset Quality↑ +23
- Reserves↓ -2
The five pillars
Securities
RiskQoQ +18
33
Sub-score
Securities profile is weak: securities 40.2% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 40.17%
SVB watch metric
No watch items at this period.
Capitalization
StrongQoQ -2
97
Sub-score
Capital position is strong: Tier 1 RBC 26.41%, CET1 26.41%, leverage 9.36%.
- Tier 1 RBC
- 26.41%
- CET1
- 26.41%
- Leverage
- 9.36%
No watch items at this period.
Asset Quality
StrongQoQ +23
90
Sub-score
Asset quality is strong: Adjusted NPL 0.00%, Texas Ratio 0.0%, NCO YTD 0.00%.
- Adjusted NPL
- 0.00%
- Texas Ratio
- 0.0%
- NCO YTD
- 0.00%
- 30-89 PD
- 1.94%
- 90+ PD
- 0.00%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StrongQoQ -2
96
Sub-score
Reserves are strong: ALLL 1.46% of loans.
- ALLL / Loans
- 1.46%
- 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.tsfor 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