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Woodlands Bank

IDRSSD: 1479470
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
69
/ 100
StableAs of 2024-Q3QoQ -5

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

Quarterly Headline

2024-Q3

Bank #1479470 2024-Q3 Vital Signs Score: 69/100 — 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
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 39.2% (Adjusted NPL + Performing Mods denominator).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.35% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2024:
↓ -5 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -37

The five pillars

Liquidity

StableQoQ +3
77
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 82.7%, cash 2.4% of assets.

Cash / Assets
2.35%
Loans / Deposits
82.65%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.35% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.05%
No watch items at this period.

Capitalization

WatchQoQ +2
54
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.40%, CET1 10.40%, leverage 8.00%.

Tier 1 RBC
10.40%
CET1
10.40%
Leverage
8.00%
No watch items at this period.

Asset Quality

StrongQoQ -3
83
Sub-score

Asset quality is strong: Adjusted NPL 1.67%, Texas Ratio 13.3%, NCO YTD 0.00%.

Adjusted NPL
1.67%
Govt-guarantees stripped
Texas Ratio
13.3%
NCO YTD
0.00%
30-89 PD
1.31%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -37
32
Sub-score

Reserves are weak: ALLL 1.19% of loans, coverage 72.2%, true coverage 39.2%.

ALLL / Loans
1.19%
Coverage
72.2%
True Loss Coverage
39.2%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 39.2% (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%. 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: 2026-05-13 11:24:12 UTC