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Williamsville State Bank And Trust

IDRSSD: 365848
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
83
/ 100
StrongAs of 2024-Q4QoQ -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-Q4

Bank #365848 2024-Q4 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.06% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2024:
↓ -5 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -5
  • Reserves
    ↓ -23

The five pillars

Liquidity

StrongQoQ 0
82
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 35.7%, cash 2.1% of assets.

Cash / Assets
2.06%
Loans / Deposits
35.73%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.06% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 36.54%, CET1 36.54%, leverage 13.89%.

Tier 1 RBC
36.54%
CET1
36.54%
Leverage
13.89%
No watch items at this period.

Asset Quality

StrongQoQ -5
89
Sub-score

Asset quality is strong: Adjusted NPL 1.13%, Texas Ratio 2.5%, NCO YTD 0.07%.

Adjusted NPL
1.13%
Govt-guarantees stripped
Texas Ratio
2.5%
NCO YTD
0.07%
30-89 PD
0.78%
Band 0.3% / 3.0%
90+ PD
0.36%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -23
30
Sub-score

Reserves are weak: ALLL 0.75% of loans, coverage 67.1%, true coverage 67.1%.

ALLL / Loans
0.75%
Coverage
67.1%
True Loss Coverage
67.1%
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 06:59:28 UTC