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Bank Of Little Rock

IDRSSD: 1397471
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
67
/ 100
StableAs of 2024-Q4QoQ +2

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 #1397471 2024-Q4 Vital Signs Score: 67/100 — overall stable. Strongest pillar: Asset Quality (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.80% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2024:
↑ +2 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    ↑ +4
  • Capitalization
    ↓ -3
  • Asset Quality
    ↑ +14
  • Reserves
    ↓ -4

The five pillars

Liquidity

StableQoQ -5
75
Sub-score

Liquidity is stable: brokered 9.6%, loans/deposits 51.0%, cash 1.8% of assets.

Cash / Assets
1.80%
Loans / Deposits
50.98%
Brokered %
9.60%

Watch Items

  • watchCash / Assets below 3% — Cash 1.80% of assets (threshold 3%).

Securities

RiskQoQ +4
16
Sub-score

Securities profile is weak: securities 45.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
45.20%
No watch items at this period.

Capitalization

StableQoQ -3
67
Sub-score

Capital position is stable: Tier 1 RBC 12.02%, CET1 12.02%, leverage 6.87%.

Tier 1 RBC
12.02%
CET1
12.02%
Leverage
6.87%
No watch items at this period.

Asset Quality

StrongQoQ +14
88
Sub-score

Asset quality is strong: Adjusted NPL 1.88%, Texas Ratio 11.3%, NCO YTD 0.01%.

Adjusted NPL
1.88%
Govt-guarantees stripped
Texas Ratio
11.3%
NCO YTD
0.01%
30-89 PD
0.23%
Band 0.3% / 3.0%
90+ PD
0.05%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -4
75
Sub-score

Reserves are stable: ALLL 1.77% of loans, coverage 95.6%, true coverage 95.6%.

ALLL / Loans
1.77%
Coverage
95.6%
True Loss Coverage
95.6%
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