Visbanking Logo
Skip to main content

Wisdom Heritage Bank

IDRSSD: 246956
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Vital Signs Report

5-pillar quarterly review (Liquidity, Securities, Capitalization, Asset Quality, Reserves) for 2026-Q1. Composite Vital Signs Score and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2026-Q1QoQ -11

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 #246956 2026-Q1 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.32% (govt-guarantees stripped).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 49.8% (Adjusted NPL + Performing Mods denominator).
  3. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.00%.

What changed this quarter

Compared to Q4 2025:
↓ -11 ptscomposite
  • Liquidity
    ↑ +9
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -22
  • Reserves
    ↓ -50

The five pillars

Liquidity

StrongQoQ +9
84
Sub-score

Liquidity is strong: brokered 11.2%, loans/deposits 57.3%, cash 6.7% of assets.

Cash / Assets
6.66%
Loans / Deposits
57.28%
Brokered %
11.16%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.21%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 20.86%, CET1 20.86%, leverage 13.77%.

Tier 1 RBC
20.86%
CET1
20.86%
Leverage
13.77%
No watch items at this period.

Asset Quality

StableQoQ -22
76
Sub-score

Asset quality is stable: Adjusted NPL 2.32%, Texas Ratio 7.7%, NCO YTD -0.11%.

Adjusted NPL
2.32%
Govt-guarantees stripped
Texas Ratio
7.7%
NCO YTD
-0.11%
30-89 PD
0.46%
Band 0.3% / 3.0%
90+ PD
1.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.32% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.00%.

Reserves

WatchQoQ -50
47
Sub-score

Reserves are deteriorating: ALLL 1.57% of loans, coverage 68.6%, true coverage 49.8%.

ALLL / Loans
1.57%
Coverage
68.6%
True Loss Coverage
49.8%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 49.8% (Adjusted NPL + Performing Mods denominator).

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%. Pillars with no available metrics are dropped from the denominator (renormalised). See functions/src/vitalSignsScore.ts for exact formula and sub-score band anchors.
Pillar status
Strong ≥ 80, Stable ≥ 60, Watch ≥ 40, Risk < 40. Bands are scoring buckets, NOT regulatory thresholds.
Watch Items
Per-pillar rule trips with severity (Risk / Watch / Info) assigned by how far the metric breaches its threshold. Top-3 panel ranks across pillars: severity dominates, magnitude breaks ties.
Adjusted NPL
Noncurrent loans minus government-guaranteed nonaccrual (sourced from FFIEC Schedule RC-N Memorandum item 2). Strips out exposure with implicit US government backing, the same formula used by the Loan Restructuring Watch builder.
True Loss Coverage Ratio
ALLL ÷ (Adjusted NPL + Performing Mods). Surfaces under-reservation that conventional ALLL/NPL hides when banks aggressively modify rather than charge off.
Past-due 30-89 / 90+ PD
Bank-wide totals from FFIEC Schedule RC-N (30-89 days past due and 90+ days past due still accruing) divided by total loans and leases (net of unearned income). Score bands: 30-89 PD Good 0.3% / Bad 3.0%; 90+ PD Good 0.1% / Bad 2.0%.
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, Watch Item rules, and per-quarter URL surface are Visbanking's own work.

Generated: 2026-05-14 23:36:43 UTC