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Westside State Bank

IDRSSD: 972143
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
72
/ 100
StableAs of 2024-Q4QoQ -3

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 #972143 2024-Q4 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 114.5% (threshold 100%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.92% of assets (threshold 3%).
  3. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.58% of loans.

What changed this quarter

Compared to Q3 2024:
↓ -3 ptscomposite
  • Liquidity
    ↓ -9
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -6
  • Reserves
    ↓ -2

The five pillars

Liquidity

StableQoQ -9
60
Sub-score

Liquidity is stable: brokered 3.0%, loans/deposits 114.5%, cash 1.9% of assets.

Cash / Assets
1.92%
Loans / Deposits
114.50%
Brokered %
3.03%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 114.5% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.92% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.02%
No watch items at this period.

Capitalization

WatchQoQ +1
47
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.16%, CET1 10.16%, leverage 7.38%.

Tier 1 RBC
10.16%
CET1
10.16%
Leverage
7.38%
No watch items at this period.

Asset Quality

StrongQoQ -6
92
Sub-score

Asset quality is strong: Adjusted NPL 0.10%, Texas Ratio 1.0%, NCO YTD 0.31%.

Adjusted NPL
0.10%
Govt-guarantees stripped
Texas Ratio
1.0%
NCO YTD
0.31%
30-89 PD
1.28%
Band 0.3% / 3.0%
90+ PD
0.04%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -2
69
Sub-score

Reserves are stable: ALLL 0.58% of loans, coverage 602.7%, true coverage 602.7%.

ALLL / Loans
0.58%
Coverage
602.7%
True Loss Coverage
602.7%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.58% 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