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Western State Bank

IDRSSD: 233554
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2024-Q4QoQ -4

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

Quarterly Headline

2024-Q4

Bank #233554 2024-Q4 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 101.7% (threshold 100%).
  2. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.08% of loans.

What changed this quarter

Compared to Q3 2024:
↓ -4 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ -9
  • Reserves
    ↓ -13

The five pillars

Liquidity

StableQoQ +1
73
Sub-score

Liquidity is stable: brokered 5.8%, loans/deposits 101.7%, cash 6.8% of assets.

Cash / Assets
6.82%
Loans / Deposits
101.72%
Brokered %
5.79%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 101.7% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StrongQoQ +3
84
Sub-score

Capital position is strong: Tier 1 RBC 12.44%, CET1 12.44%, leverage 11.69%.

Tier 1 RBC
12.44%
CET1
12.44%
Leverage
11.69%
No watch items at this period.

Asset Quality

StableQoQ -9
80
Sub-score

Asset quality is stable: Adjusted NPL 1.21%, Texas Ratio 8.2%, NCO YTD 1.08%.

Adjusted NPL
1.21%
Govt-guarantees stripped
Texas Ratio
8.2%
NCO YTD
1.08%
30-89 PD
0.31%
Band 0.3% / 3.0%
90+ PD
0.68%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.08% of loans.

Reserves

StrongQoQ -13
87
Sub-score

Reserves are strong: ALLL 1.65% of loans, coverage 139.3%, true coverage 130.2%.

ALLL / Loans
1.65%
Coverage
139.3%
True Loss Coverage
130.2%
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 19:57:28 UTC