Visbanking Logo
Skip to main content

Westside State Bank

IDRSSD: 972143
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
72
/ 100
StableAs of 2024-Q2QoQ -5

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

Quarterly Headline

2024-Q2

Bank #972143 2024-Q2 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (risk).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 115.4% (threshold 100%).
  2. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.63% of loans.
  3. info
    Cash / Assets below 3%
    Liquidity — Cash 2.96% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2024:
↓ -5 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↓ -16
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -1

The five pillars

Liquidity

StableQoQ -4
64
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 115.4%, cash 3.0% of assets.

Cash / Assets
2.96%
Loans / Deposits
115.36%
Brokered %
0.00%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 115.4% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.96% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.41%
No watch items at this period.

Capitalization

RiskQoQ -16
39
Sub-score

Capital position is weak: Tier 1 RBC 9.47%, CET1 9.47%, leverage 7.32%.

Tier 1 RBC
9.47%
CET1
9.47%
Leverage
7.32%
No watch items at this period.

Asset Quality

StrongQoQ -2
95
Sub-score

Asset quality is strong: Adjusted NPL 0.18%, Texas Ratio 1.9%, NCO YTD 0.02%.

Adjusted NPL
0.18%
Govt-guarantees stripped
Texas Ratio
1.9%
NCO YTD
0.02%
30-89 PD
0.92%
Band 0.3% / 3.0%
90+ PD
0.18%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -1
71
Sub-score

Reserves are stable: ALLL 0.63% of loans, coverage 363.3%, true coverage 363.3%.

ALLL / Loans
0.63%
Coverage
363.3%
True Loss Coverage
363.3%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.63% 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: 2026-05-12 21:06:28 UTC