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Woodford State Bank

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

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2025-Q3QoQ -1

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

Quarterly Headline

2025-Q3

Bank #93244 2025-Q3 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.22% of assets (threshold 3%).
  2. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.65% of loans.

What changed this quarter

Compared to Q2 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↑ +2
  • Reserves
    ↓ -1

The five pillars

Liquidity

StableQoQ -5
66
Sub-score

Liquidity is stable: brokered 2.9%, loans/deposits 94.6%, cash 1.2% of assets.

Cash / Assets
1.22%
Loans / Deposits
94.61%
Brokered %
2.93%

Watch Items

  • watchCash / Assets below 3% — Cash 1.22% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.84%
No watch items at this period.

Capitalization

WatchQoQ -3
47
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.08%, CET1 10.08%, leverage 7.57%.

Tier 1 RBC
10.08%
CET1
10.08%
Leverage
7.57%
No watch items at this period.

Asset Quality

StrongQoQ +2
100
Sub-score

Asset quality is strong: Adjusted NPL 0.24%, Texas Ratio 2.2%, NCO YTD -0.04%.

Adjusted NPL
0.24%
Govt-guarantees stripped
Texas Ratio
2.2%
NCO YTD
-0.04%
30-89 PD
0.13%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -1
72
Sub-score

Reserves are stable: ALLL 0.65% of loans, coverage 266.7%, true coverage 249.5%.

ALLL / Loans
0.65%
Coverage
266.7%
True Loss Coverage
249.5%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.65% 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