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Wex Bank

IDRSSD: 2700984
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2025-Q1QoQ -1

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

Quarterly Headline

2025-Q1

Bank #2700984 2025-Q1 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.57% of loans.

What changed this quarter

Compared to Q4 2024:
↓ -1 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -8
  • Asset Quality
    ↑ +10
  • Reserves
    ↓ -13

The five pillars

Liquidity

StrongQoQ -1
90
Sub-score

Liquidity is strong: brokered 12.5%, loans/deposits 58.9%.

Cash / Assets
—
Loans / Deposits
58.88%
Brokered %
12.49%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.93%
No watch items at this period.

Capitalization

StableQoQ -8
61
Sub-score

Capital position is stable: Tier 1 RBC 13.10%, CET1 0.00%, leverage 9.29%.

Tier 1 RBC
13.10%
CET1
0.00%
Leverage
9.29%

Watch Items

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

Asset Quality

StableQoQ +10
80
Sub-score

Asset quality is stable: Adjusted NPL 0.51%, Texas Ratio 2.3%, NCO YTD 1.57%.

Adjusted NPL
0.51%
Govt-guarantees stripped
Texas Ratio
2.3%
NCO YTD
1.57%
30-89 PD
0.92%
Band 0.3% / 3.0%
90+ PD
0.45%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 1.57% of loans.

Reserves

StrongQoQ -13
87
Sub-score

Reserves are strong: ALLL 1.12% of loans, coverage 223.4%, true coverage 223.4%.

ALLL / Loans
1.12%
Coverage
223.4%
True Loss Coverage
223.4%
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: 2026-05-13 12:06:10 UTC