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Woodlands Bank

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

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2026-Q1QoQ +4

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

Quarterly Headline

2026-Q1

Bank #1479470 2026-Q1 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 38.4% (Adjusted NPL + Performing Mods denominator).
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.34% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2025:
↑ +4 ptscomposite
  • Liquidity
    ↑ +7
  • Securities
    — —
  • Capitalization
    ↑ +5
  • Asset Quality
    ↑ +3
  • Reserves
    ↑ +3

The five pillars

Liquidity

StrongQoQ +7
91
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 76.0%, cash 7.3% of assets.

Cash / Assets
7.34%
Loans / Deposits
76.01%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.73%
No watch items at this period.

Capitalization

StableQoQ +5
73
Sub-score

Capital position is stable: Tier 1 RBC 11.83%, CET1 11.83%, leverage 8.93%.

Tier 1 RBC
11.83%
CET1
11.83%
Leverage
8.93%
No watch items at this period.

Asset Quality

StableQoQ +3
76
Sub-score

Asset quality is stable: Adjusted NPL 2.34%, Texas Ratio 16.3%, NCO YTD 0.04%.

Adjusted NPL
2.34%
Govt-guarantees stripped
Texas Ratio
16.3%
NCO YTD
0.04%
30-89 PD
1.43%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.34% (govt-guarantees stripped).

Reserves

RiskQoQ +3
37
Sub-score

Reserves are weak: ALLL 1.41% of loans, coverage 60.9%, true coverage 38.4%.

ALLL / Loans
1.41%
Coverage
60.9%
True Loss Coverage
38.4%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 38.4% (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