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Western National Bank

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

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
85
/ 100
StrongAs of 2026-Q1QoQ 0

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

Quarterly Headline

2026-Q1

Bank #278751 2026-Q1 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Reserves (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 Q4 2025:
↑ 0 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    ↓ -4
  • Capitalization
    ↓ -2
  • Asset Quality
    ↑ +4
  • Reserves
    ↑ +2

The five pillars

Liquidity

StrongQoQ 0
92
Sub-score

Liquidity is strong: brokered 12.3%, loans/deposits 37.0%, cash 19.3% of assets.

Cash / Assets
19.29%
Loans / Deposits
36.97%
Brokered %
12.25%
No watch items at this period.

Securities

RiskQoQ -4
29
Sub-score

Securities profile is weak: securities 41.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
41.23%
No watch items at this period.

Capitalization

StrongQoQ -2
95
Sub-score

Capital position is strong: Tier 1 RBC 23.33%, CET1 23.33%, leverage 8.76%.

Tier 1 RBC
23.33%
CET1
23.33%
Leverage
8.76%
No watch items at this period.

Asset Quality

StrongQoQ +4
94
Sub-score

Asset quality is strong: Adjusted NPL 0.70%, Texas Ratio 2.4%, NCO YTD 0.00%.

Adjusted NPL
0.70%
Govt-guarantees stripped
Texas Ratio
2.4%
NCO YTD
0.00%
30-89 PD
0.88%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +2
98
Sub-score

Reserves are strong: ALLL 1.45% of loans, coverage 210.5%, true coverage 210.5%.

ALLL / Loans
1.45%
Coverage
210.5%
True Loss Coverage
210.5%
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