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Winter Hill Bank Fsb

IDRSSD: 822275
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
86
/ 100
StrongAs of 2024-Q4QoQ +2

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 #822275 2024-Q4 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Asset Quality (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 105.2% (threshold 100%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.73% of assets (threshold 3%).
  3. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.58% of loans.

What changed this quarter

Compared to Q3 2024:
↑ +2 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    ↓ 0
  • Capitalization
    ↑ 0
  • Asset Quality
    — —
  • Reserves
    ↑ +15

The five pillars

Liquidity

WatchQoQ -4
59
Sub-score

Liquidity is deteriorating: brokered 8.2%, loans/deposits 105.2%, cash 1.7% of assets.

Cash / Assets
1.73%
Loans / Deposits
105.16%
Brokered %
8.16%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 105.2% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.73% of assets (threshold 3%).

Securities

StrongQoQ 0
95
Sub-score

Securities profile is strong: securities 21.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
21.36%
No watch items at this period.

Capitalization

StrongQoQ 0
97
Sub-score

Capital position is strong: Tier 1 RBC 15.49%, CET1 15.49%, leverage 9.35%.

Tier 1 RBC
15.49%
CET1
15.49%
Leverage
9.35%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.17%, Texas Ratio 1.3%, NCO YTD 0.00%.

Adjusted NPL
0.17%
Govt-guarantees stripped
Texas Ratio
1.3%
NCO YTD
0.00%
30-89 PD
0.15%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +15
69
Sub-score

Reserves are stable: ALLL 0.58% of loans, coverage 347.3%, true coverage 118.3%.

ALLL / Loans
0.58%
Coverage
347.3%
True Loss Coverage
118.3%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.58% 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 11:49:11 UTC