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Westside State Bank

IDRSSD: 972143
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
64
/ 100
StableAs of 2026-Q1QoQ -9

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 #972143 2026-Q1 Vital Signs Score: 64/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 121.0% (threshold 100%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.39% of assets (threshold 3%).
  3. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.36%.

What changed this quarter

Compared to Q4 2025:
↓ -9 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -7
  • Reserves
    ↓ -51

The five pillars

Liquidity

StableQoQ +2
61
Sub-score

Liquidity is stable: brokered 3.0%, loans/deposits 121.0%, cash 2.4% of assets.

Cash / Assets
2.39%
Loans / Deposits
121.01%
Brokered %
2.97%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 121.0% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.39% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.79%
No watch items at this period.

Capitalization

WatchQoQ +2
56
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.71%, CET1 10.71%, leverage 7.89%.

Tier 1 RBC
10.71%
CET1
10.71%
Leverage
7.89%
No watch items at this period.

Asset Quality

StableQoQ -7
78
Sub-score

Asset quality is stable: Adjusted NPL 1.39%, Texas Ratio 14.5%, NCO YTD 0.06%.

Adjusted NPL
1.39%
Govt-guarantees stripped
Texas Ratio
14.5%
NCO YTD
0.06%
30-89 PD
0.65%
Band 0.3% / 3.0%
90+ PD
1.36%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.36%.

Reserves

RiskQoQ -51
24
Sub-score

Reserves are weak: ALLL 0.78% of loans, coverage 56.8%, true coverage 56.8%.

ALLL / Loans
0.78%
Coverage
56.8%
True Loss Coverage
56.8%
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: 2026-05-12 21:06:28 UTC