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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-Q4

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

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2024-Q4QoQ -1

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 #477349 2024-Q4 Vital Signs Score: 83/100 — 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 105.5% (threshold 100%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.32% of assets (threshold 3%).
  3. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.62% of loans.

What changed this quarter

Compared to Q3 2024:
↓ -1 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ -4
  • Reserves
    ↓ 0

The five pillars

Liquidity

WatchQoQ -2
46
Sub-score

Liquidity is deteriorating: brokered 25.0%, loans/deposits 105.5%, cash 1.3% of assets.

Cash / Assets
1.32%
Loans / Deposits
105.48%
Brokered %
25.02%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 105.5% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.32% 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

StrongQoQ +3
97
Sub-score

Capital position is strong: Tier 1 RBC 14.60%, CET1 14.60%, leverage 11.31%.

Tier 1 RBC
14.60%
CET1
14.60%
Leverage
11.31%
No watch items at this period.

Asset Quality

StrongQoQ -4
96
Sub-score

Asset quality is strong: Adjusted NPL 0.17%, Texas Ratio 1.2%, NCO YTD 0.01%.

Adjusted NPL
0.17%
Govt-guarantees stripped
Texas Ratio
1.2%
NCO YTD
0.01%
30-89 PD
0.95%
Band 0.3% / 3.0%
90+ PD
0.12%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ 0
71
Sub-score

Reserves are stable: ALLL 0.62% of loans, coverage 366.3%, true coverage 366.3%.

ALLL / Loans
0.62%
Coverage
366.3%
True Loss Coverage
366.3%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.62% 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