Liquidity
StrongQoQ -10
83
Sub-score
Liquidity is strong: brokered 1.4%, loans/deposits 88.0%, cash 6.9% of assets.
- Cash / Assets
- 6.89%
- Loans / Deposits
- 87.99%
- Brokered %
- 1.43%
No watch items at this period.
Winnsboro State Bank And Trust Company
IDRSSD: 628552
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2025-Q3
Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
83
/ 100
StrongAs of 2025-Q3QoQ -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-Q3
Bank #628552 2025-Q3 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).
Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Watch
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q2 2025:
↓ -1 ptscomposite
- Liquidity↓ -10
- Securities— —
- Capitalization↑ +1
- Asset Quality↑ +1
- Reserves↑ +1
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 0.3% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 0.26%
SVB watch metric
No watch items at this period.
Capitalization
StrongQoQ +1
99
Sub-score
Capital position is strong: Tier 1 RBC 14.76%, CET1 14.76%, leverage 11.19%.
- Tier 1 RBC
- 14.76%
- CET1
- 14.76%
- Leverage
- 11.19%
No watch items at this period.
Asset Quality
StrongQoQ +1
80
Sub-score
Asset quality is strong: Adjusted NPL 1.05%, Texas Ratio 6.6%, NCO YTD 0.17%.
- Adjusted NPL
- 1.05%
- Texas Ratio
- 6.6%
- NCO YTD
- 0.17%
- 30-89 PD
- 2.17%
- 90+ PD
- 0.41%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
WatchQoQ +1
43
Sub-score
Reserves are deteriorating: ALLL 0.85% of loans, coverage 81.5%, true coverage 81.5%.
- ALLL / Loans
- 0.85%
- Coverage
- 81.5%
- True Loss Coverage
- 81.5%
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.tsfor 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 01:22:38 UTC