Liquidity
StrongQoQ +6
88
Sub-score
Liquidity is strong: brokered 0.8%, loans/deposits 86.8%, cash 8.5% of assets.
- Cash / Assets
- 8.46%
- Loans / Deposits
- 86.77%
- Brokered %
- 0.81%
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 — 2026-Q1
Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
72
/ 100
StableAs of 2026-Q1QoQ -8
Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.
Quarterly Headline
2026-Q1
Bank #628552 2026-Q1 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).
Liquidity:Strong
Securities:Strong
Capitalization:Watch
Asset Quality:Strong
Reserves:Watch
Top 3 Watch Items
- riskCET1 below 7%Capitalization — CET1 0.00% (threshold 7%).
What changed this quarter
Compared to Q4 2025:
↓ -8 ptscomposite
- Liquidity↑ +6
- Securities— —
- Capitalization↓ -47
- Asset Quality↑ +9
- Reserves↑ +2
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 0.0% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 0.00%
SVB watch metric
No watch items at this period.
Capitalization
WatchQoQ -47
50
Sub-score
Capital position is deteriorating: CET1 0.00%, leverage 11.03%.
- Tier 1 RBC
- —
- CET1
- 0.00%
- Leverage
- 11.03%
Watch Items
- riskCET1 below 7% — CET1 0.00% (threshold 7%).
Asset Quality
StrongQoQ +9
81
Sub-score
Asset quality is strong: Adjusted NPL 1.30%, Texas Ratio 8.6%, NCO YTD 0.27%.
- Adjusted NPL
- 1.30%
- Texas Ratio
- 8.6%
- NCO YTD
- 0.27%
- 30-89 PD
- 1.12%
- 90+ PD
- 0.68%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
WatchQoQ +2
41
Sub-score
Reserves are deteriorating: ALLL 0.95% of loans, coverage 74.0%, true coverage 74.0%.
- ALLL / Loans
- 0.95%
- Coverage
- 74.0%
- True Loss Coverage
- 74.0%
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