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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 — 2026-Q1

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

Synthesis

Vital Signs Score
69
/ 100
StableAs of 2026-Q1QoQ +1

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 #477349 2026-Q1 Vital Signs Score: 69/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 114.3% (threshold 100%).
  2. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.47% of loans.
  3. info
    Cash / Assets below 3%
    Liquidity — Cash 2.49% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2025:
↑ +1 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↓ -11
  • Asset Quality
    ↑ 0
  • Reserves
    ↑ +25

The five pillars

Liquidity

WatchQoQ 0
46
Sub-score

Liquidity is deteriorating: brokered 26.4%, loans/deposits 114.3%, cash 2.5% of assets.

Cash / Assets
2.49%
Loans / Deposits
114.26%
Brokered %
26.38%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 114.3% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.49% 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

StableQoQ -11
69
Sub-score

Capital position is stable: Tier 1 RBC 11.32%, CET1 11.32%, leverage 10.07%.

Tier 1 RBC
11.32%
CET1
11.32%
Leverage
10.07%
No watch items at this period.

Asset Quality

StrongQoQ 0
91
Sub-score

Asset quality is strong: Adjusted NPL 0.55%, Texas Ratio 4.4%, NCO YTD 0.00%.

Adjusted NPL
0.55%
Govt-guarantees stripped
Texas Ratio
4.4%
NCO YTD
0.00%
30-89 PD
1.66%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +25
35
Sub-score

Reserves are weak: ALLL 0.47% of loans, coverage 85.9%, true coverage 85.9%.

ALLL / Loans
0.47%
Coverage
85.9%
True Loss Coverage
85.9%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.47% 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