Visbanking Logo
Skip to main content

Bank Of Lake Village

IDRSSD: 476445
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
94
/ 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 #476445 2024-Q4 Vital Signs Score: 94/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q3 2024:
↑ +1 ptscomposite
  • Liquidity
    ↑ +20
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -11
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +20
94
Sub-score

Liquidity is strong: brokered 8.5%, loans/deposits 58.1%, cash 19.8% of assets.

Cash / Assets
19.79%
Loans / Deposits
58.11%
Brokered %
8.47%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.35%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 23.47%, CET1 23.47%, leverage 14.55%.

Tier 1 RBC
23.47%
CET1
23.47%
Leverage
14.55%
No watch items at this period.

Asset Quality

StableQoQ -11
79
Sub-score

Asset quality is stable: Adjusted NPL 0.56%, Texas Ratio 1.6%, NCO YTD -0.01%.

Adjusted NPL
0.56%
Govt-guarantees stripped
Texas Ratio
1.6%
NCO YTD
-0.01%
30-89 PD
3.24%
Band 0.3% / 3.0%
90+ PD
0.49%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 5.70% of loans, coverage 1073.0%, true coverage 1073.0%.

ALLL / Loans
5.70%
Coverage
1073.0%
True Loss Coverage
1073.0%
No watch items at this period.

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: 2026-05-15 01:08:39 UTC