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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 — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2025-Q1QoQ -5

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

Quarterly Headline

2025-Q1

Bank #477349 2025-Q1 Vital Signs Score: 78/100 — overall stable. 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 114.1% (threshold 100%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.40% of assets (threshold 3%).
  3. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.51% of loans.

What changed this quarter

Compared to Q4 2024:
↓ -5 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    ↓ -14
  • Asset Quality
    ↓ 0
  • Reserves
    ↓ -4

The five pillars

Liquidity

WatchQoQ -5
41
Sub-score

Liquidity is deteriorating: brokered 30.8%, loans/deposits 114.1%, cash 1.4% of assets.

Cash / Assets
1.40%
Loans / Deposits
114.08%
Brokered %
30.79%

Watch Items

  • infoBrokered deposits above 30% — Brokered 30.8% of deposits (threshold 30%).
  • watchLoans / Deposits above 100% — Loans/Deposits 114.1% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.40% 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 -14
84
Sub-score

Capital position is strong: Tier 1 RBC 12.63%, CET1 12.63%, leverage 10.45%.

Tier 1 RBC
12.63%
CET1
12.63%
Leverage
10.45%
No watch items at this period.

Asset Quality

StrongQoQ 0
96
Sub-score

Asset quality is strong: Adjusted NPL 0.16%, Texas Ratio 1.3%, NCO YTD 0.00%.

Adjusted NPL
0.16%
Govt-guarantees stripped
Texas Ratio
1.3%
NCO YTD
0.00%
30-89 PD
1.00%
Band 0.3% / 3.0%
90+ PD
0.12%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -4
67
Sub-score

Reserves are stable: ALLL 0.51% of loans, coverage 313.3%, true coverage 313.3%.

ALLL / Loans
0.51%
Coverage
313.3%
True Loss Coverage
313.3%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.51% 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