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Winchester Co Operative Bank

IDRSSD: 268976
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
69
/ 100
StableAs of 2025-Q2QoQ -2

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

Quarterly Headline

2025-Q2

Bank #268976 2025-Q2 Vital Signs Score: 69/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. risk
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.32% of loans.
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 42.4% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q1 2025:
↓ -2 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -10

The five pillars

Liquidity

StrongQoQ +1
89
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 91.0%, cash 10.7% of assets.

Cash / Assets
10.74%
Loans / Deposits
91.05%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 12.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
12.88%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 12.00%.

Tier 1 RBC
—
CET1
0.00%
Leverage
12.00%

Watch Items

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

Asset Quality

StrongQoQ -1
90
Sub-score

Asset quality is strong: Adjusted NPL 0.72%, Texas Ratio 4.4%, NCO YTD 0.00%.

Adjusted NPL
0.72%
Govt-guarantees stripped
Texas Ratio
4.4%
NCO YTD
0.00%
30-89 PD
0.78%
Band 0.3% / 3.0%
90+ PD
0.59%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -10
6
Sub-score

Reserves are weak: ALLL 0.32% of loans, coverage 44.3%, true coverage 42.4%.

ALLL / Loans
0.32%
Coverage
44.3%
True Loss Coverage
42.4%

Watch Items

  • infoALLL / NPL below 50% — Coverage 44.3% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 42.4% (Adjusted NPL + Performing Mods denominator).
  • riskALLL / Loans below 0.75% — ALLL 0.32% 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: 2026-05-13 04:24:00 UTC