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Westmoreland Federal Savings And Loan Association

IDRSSD: 188177
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
60
/ 100
StableAs 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 #188177 2026-Q1 Vital Signs Score: 60/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 44.2% (regulatory soft-warning level 50%).
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 44.2% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q4 2025:
↓ 0 ptscomposite
  • Liquidity
    — —
  • Securities
    ↓ -4
  • Capitalization
    — —
  • Asset Quality
    ↑ 0
  • Reserves
    ↑ +3

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 55.7%, cash 13.5% of assets.

Cash / Assets
13.51%
Loans / Deposits
55.70%
Brokered %
0.00%
No watch items at this period.

Securities

RiskQoQ -4
25
Sub-score

Securities profile is weak: securities 42.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
42.46%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 26.68%.

Tier 1 RBC
—
CET1
0.00%
Leverage
26.68%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StrongQoQ 0
89
Sub-score

Asset quality is strong: Adjusted NPL 1.38%, Texas Ratio 2.1%, NCO YTD 0.00%.

Adjusted NPL
1.38%
Govt-guarantees stripped
Texas Ratio
2.1%
NCO YTD
0.00%
30-89 PD
0.84%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +3
10
Sub-score

Reserves are weak: ALLL 0.61% of loans, coverage 44.2%, true coverage 44.2%.

ALLL / Loans
0.61%
Coverage
44.2%
True Loss Coverage
44.2%

Watch Items

  • infoALLL / NPL below 50% — Coverage 44.2% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 44.2% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.61% of loans.

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: 2026-05-13 08:56:30 UTC