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Wisdom Heritage Bank

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

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
96
/ 100
StrongAs of 2023-Q4QoQ -1

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

Quarterly Headline

2023-Q4

Bank #246956 2023-Q4 Vital Signs Score: 96/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (strong).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q3 2023:
↓ -1 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    — —
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -3
85
Sub-score

Liquidity is strong: brokered 4.3%, loans/deposits 61.3%, cash 4.6% of assets.

Cash / Assets
4.64%
Loans / Deposits
61.25%
Brokered %
4.33%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.95%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.33%, CET1 16.33%, leverage 13.60%.

Tier 1 RBC
16.33%
CET1
16.33%
Leverage
13.60%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.13%, Texas Ratio 0.5%, NCO YTD 0.03%.

Adjusted NPL
0.13%
Govt-guarantees stripped
Texas Ratio
0.5%
NCO YTD
0.03%
30-89 PD
0.08%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
96
Sub-score

Reserves are strong: ALLL 2.07% of loans, coverage 1603.3%, true coverage 91.4%.

ALLL / Loans
2.07%
Coverage
1603.3%
True Loss Coverage
91.4%
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.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: 2026-05-14 23:36:43 UTC