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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-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
73
/ 100
StableAs of 2024-Q4QoQ +6

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 #93244 2024-Q4 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (risk).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.65% of assets (threshold 3%).
  2. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.70% of loans.

What changed this quarter

Compared to Q3 2024:
↑ +6 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↑ +10
  • Reserves
    ↑ +23

The five pillars

Liquidity

StableQoQ +1
69
Sub-score

Liquidity is stable: brokered 2.5%, loans/deposits 90.8%, cash 1.7% of assets.

Cash / Assets
1.65%
Loans / Deposits
90.81%
Brokered %
2.50%

Watch Items

  • watchCash / Assets below 3% — Cash 1.65% 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
1.31%
No watch items at this period.

Capitalization

RiskQoQ -3
40
Sub-score

Capital position is weak: Tier 1 RBC 9.48%, CET1 9.48%, leverage 7.40%.

Tier 1 RBC
9.48%
CET1
9.48%
Leverage
7.40%
No watch items at this period.

Asset Quality

StrongQoQ +10
92
Sub-score

Asset quality is strong: Adjusted NPL 0.34%, Texas Ratio 3.1%, NCO YTD 0.97%.

Adjusted NPL
0.34%
Govt-guarantees stripped
Texas Ratio
3.1%
NCO YTD
0.97%
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

StableQoQ +23
73
Sub-score

Reserves are stable: ALLL 0.70% of loans, coverage 208.7%, true coverage 196.9%.

ALLL / Loans
0.70%
Coverage
208.7%
True Loss Coverage
196.9%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.70% 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