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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-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
72
/ 100
StableAs of 2025-Q3QoQ -9

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

Quarterly Headline

2025-Q3

Bank #477349 2025-Q3 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.38% of assets (threshold 3%).
  2. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.51% of loans.
  3. info
    Brokered deposits above 30%
    Liquidity — Brokered 33.5% of deposits (threshold 30%).

What changed this quarter

Compared to Q2 2025:
↓ -9 ptscomposite
  • Liquidity
    ↓ -12
  • Securities
    — —
  • Capitalization
    ↓ -7
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -28

The five pillars

Liquidity

WatchQoQ -12
48
Sub-score

Liquidity is deteriorating: brokered 33.5%, loans/deposits 95.0%, cash 1.4% of assets.

Cash / Assets
1.38%
Loans / Deposits
95.02%
Brokered %
33.50%

Watch Items

  • infoBrokered deposits above 30% — Brokered 33.5% of deposits (threshold 30%).
  • watchCash / Assets below 3% — Cash 1.38% 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 -7
93
Sub-score

Capital position is strong: Tier 1 RBC 13.78%, CET1 13.78%, leverage 11.95%.

Tier 1 RBC
13.78%
CET1
13.78%
Leverage
11.95%
No watch items at this period.

Asset Quality

StrongQoQ -2
89
Sub-score

Asset quality is strong: Adjusted NPL 0.91%, Texas Ratio 6.7%, NCO YTD 0.01%.

Adjusted NPL
0.91%
Govt-guarantees stripped
Texas Ratio
6.7%
NCO YTD
0.01%
30-89 PD
1.25%
Band 0.3% / 3.0%
90+ PD
0.29%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -28
15
Sub-score

Reserves are weak: ALLL 0.51% of loans, coverage 56.6%, true coverage 56.6%.

ALLL / Loans
0.51%
Coverage
56.6%
True Loss Coverage
56.6%

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