Visbanking Logo
Skip to main content

Bank Of Little Rock

IDRSSD: 1397471
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2023-Q4QoQ +5

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

Quarterly Headline

2023-Q4

Bank #1397471 2023-Q4 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Reserves (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.36% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2023:
↑ +5 ptscomposite
  • Liquidity
    ↑ +5
  • Securities
    — —
  • Capitalization
    ↑ +6
  • Asset Quality
    ↓ -9
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +5
82
Sub-score

Liquidity is strong: brokered 0.8%, loans/deposits 44.4%, cash 2.4% of assets.

Cash / Assets
2.36%
Loans / Deposits
44.43%
Brokered %
0.85%

Watch Items

  • infoCash / Assets below 3% — Cash 2.36% of assets (threshold 3%).

Securities

Risk
0
Sub-score

Securities profile is weak: securities 50.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
50.37%
No watch items at this period.

Capitalization

StrongQoQ +6
83
Sub-score

Capital position is strong: Tier 1 RBC 13.72%, CET1 13.72%, leverage 7.12%.

Tier 1 RBC
13.72%
CET1
13.72%
Leverage
7.12%
No watch items at this period.

Asset Quality

StrongQoQ -9
91
Sub-score

Asset quality is strong: Adjusted NPL 1.00%, Texas Ratio 4.9%, NCO YTD 0.58%.

Adjusted NPL
1.00%
Govt-guarantees stripped
Texas Ratio
4.9%
NCO YTD
0.58%
30-89 PD
0.16%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 2.08% of loans, coverage 212.7%, true coverage 212.7%.

ALLL / Loans
2.08%
Coverage
212.7%
True Loss Coverage
212.7%
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: 2026-05-14 19:58:01 UTC