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Bank Of Lake Mills

IDRSSD: 477349
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
86
/ 100
StrongAs of 2024-Q1QoQ -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-Q1

Bank #477349 2024-Q1 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 109.2% (threshold 100%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.72% of assets (threshold 3%).
  3. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.75% of loans.

What changed this quarter

Compared to Q4 2023:
↓ -3 ptscomposite
  • Liquidity
    ↓ -11
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -6

The five pillars

Liquidity

WatchQoQ -11
53
Sub-score

Liquidity is deteriorating: brokered 13.0%, loans/deposits 109.2%, cash 1.7% of assets.

Cash / Assets
1.72%
Loans / Deposits
109.23%
Brokered %
13.01%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 109.2% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.72% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 15.79%, CET1 15.79%, leverage 11.57%.

Tier 1 RBC
15.79%
CET1
15.79%
Leverage
11.57%
No watch items at this period.

Asset Quality

StrongQoQ -1
98
Sub-score

Asset quality is strong: Adjusted NPL 0.03%, Texas Ratio 0.2%, NCO YTD 0.01%.

Adjusted NPL
0.03%
Govt-guarantees stripped
Texas Ratio
0.2%
NCO YTD
0.01%
30-89 PD
0.60%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -6
75
Sub-score

Reserves are stable: ALLL 0.75% of loans, coverage 2191.3%, true coverage 2191.3%.

ALLL / Loans
0.75%
Coverage
2191.3%
True Loss Coverage
2191.3%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.75% 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: 2026-05-14 17:05:58 UTC