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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 — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
88
/ 100
StrongAs of 2025-Q4QoQ 0

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

Quarterly Headline

2025-Q4

Bank #822275 2025-Q4 Vital Signs Score: 88/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 101.5% (threshold 100%).
  2. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.61% of loans.

What changed this quarter

Compared to Q3 2025:
↓ 0 ptscomposite
  • Liquidity
    ↑ +9
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    — —
  • Reserves
    ↓ -15

The five pillars

Liquidity

StableQoQ +9
74
Sub-score

Liquidity is stable: brokered 3.6%, loans/deposits 101.5%, cash 6.3% of assets.

Cash / Assets
6.32%
Loans / Deposits
101.47%
Brokered %
3.57%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 101.5% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 19.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
19.02%
No watch items at this period.

Capitalization

StrongQoQ 0
99
Sub-score

Capital position is strong: Tier 1 RBC 16.40%, CET1 16.40%, leverage 9.86%.

Tier 1 RBC
16.40%
CET1
16.40%
Leverage
9.86%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.00%, Texas Ratio 0.0%, NCO YTD 0.00%.

Adjusted NPL
0.00%
Govt-guarantees stripped
Texas Ratio
0.0%
NCO YTD
0.00%
30-89 PD
0.05%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -15
55
Sub-score

Reserves are deteriorating: ALLL 0.61% of loans, true coverage 1473.6%.

ALLL / Loans
0.61%
Coverage
—
True Loss Coverage
1473.6%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.61% 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