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Wex Bank

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

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2025-Q4QoQ 0

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

Quarterly Headline

2025-Q4

Bank #2700984 2025-Q4 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (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 1.50% of loans.

What changed this quarter

Compared to Q3 2025:
↓ 0 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -7
  • Reserves
    ↑ +5

The five pillars

Liquidity

StrongQoQ 0
88
Sub-score

Liquidity is strong: brokered 14.9%, loans/deposits 47.3%.

Cash / Assets
—
Loans / Deposits
47.30%
Brokered %
14.88%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.70%
No watch items at this period.

Capitalization

StableQoQ +2
71
Sub-score

Capital position is stable: Tier 1 RBC 14.98%, CET1 0.00%, leverage 9.04%.

Tier 1 RBC
14.98%
CET1
0.00%
Leverage
9.04%

Watch Items

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

Asset Quality

StableQoQ -7
71
Sub-score

Asset quality is stable: Adjusted NPL 0.77%, Texas Ratio 2.8%, NCO YTD 1.50%.

Adjusted NPL
0.77%
Govt-guarantees stripped
Texas Ratio
2.8%
NCO YTD
1.50%
30-89 PD
1.76%
Band 0.3% / 3.0%
90+ PD
0.69%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 1.50% of loans.

Reserves

StrongQoQ +5
100
Sub-score

Reserves are strong: ALLL 1.62% of loans, coverage 213.3%, true coverage 213.3%.

ALLL / Loans
1.62%
Coverage
213.3%
True Loss Coverage
213.3%
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