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Woodford State Bank

IDRSSD: 93244
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
67
/ 100
StableAs of 2024-Q2QoQ -3

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

Quarterly Headline

2024-Q2

Bank #93244 2024-Q2 Vital Signs Score: 67/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.55% of assets (threshold 3%).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 49.6% (Adjusted NPL + Performing Mods denominator).
  3. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.63% of loans.

What changed this quarter

Compared to Q1 2024:
↓ -3 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -11
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +2

The five pillars

Liquidity

StableQoQ -1
69
Sub-score

Liquidity is stable: brokered 1.8%, loans/deposits 92.4%, cash 1.5% of assets.

Cash / Assets
1.55%
Loans / Deposits
92.42%
Brokered %
1.78%

Watch Items

  • watchCash / Assets below 3% — Cash 1.55% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.32%
No watch items at this period.

Capitalization

WatchQoQ -11
50
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.19%, CET1 10.19%, leverage 8.15%.

Tier 1 RBC
10.19%
CET1
10.19%
Leverage
8.15%
No watch items at this period.

Asset Quality

StrongQoQ +1
93
Sub-score

Asset quality is strong: Adjusted NPL 1.26%, Texas Ratio 10.6%, NCO YTD -0.01%.

Adjusted NPL
1.26%
Govt-guarantees stripped
Texas Ratio
10.6%
NCO YTD
-0.01%
30-89 PD
0.03%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +2
14
Sub-score

Reserves are weak: ALLL 0.63% of loans, coverage 50.4%, true coverage 49.6%.

ALLL / Loans
0.63%
Coverage
50.4%
True Loss Coverage
49.6%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 49.6% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.63% 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: 2026-05-12 00:43:16 UTC