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Winchester Savings Bank

IDRSSD: 899008
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2023-Q4QoQ -20

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

Quarterly Headline

2023-Q4

Bank #899008 2023-Q4 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 107.8% (threshold 100%).
  3. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.47% of loans.

What changed this quarter

Compared to Q3 2023:
↓ -20 ptscomposite
  • Liquidity
    ↓ -15
  • Securities
    — —
  • Capitalization
    ↓ -50
  • Asset Quality
    — —
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -15
68
Sub-score

Liquidity is stable: brokered 5.2%, loans/deposits 107.8%, cash 5.5% of assets.

Cash / Assets
5.49%
Loans / Deposits
107.82%
Brokered %
5.15%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 107.8% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 6.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
6.12%
No watch items at this period.

Capitalization

WatchQoQ -50
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 10.63%.

Tier 1 RBC
—
CET1
0.00%
Leverage
10.63%

Watch Items

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

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.22%, Texas Ratio 1.7%, NCO YTD 0.00%.

Adjusted NPL
0.22%
Govt-guarantees stripped
Texas Ratio
1.7%
NCO YTD
0.00%
30-89 PD
0.07%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Stable
67
Sub-score

Reserves are stable: ALLL 0.47% of loans, coverage 216.5%, true coverage 216.5%.

ALLL / Loans
0.47%
Coverage
216.5%
True Loss Coverage
216.5%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.47% 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: 2026-05-14 19:46:24 UTC