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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 — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
73
/ 100
StableAs of 2025-Q1QoQ +6

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

Quarterly Headline

2025-Q1

Bank #1397471 2025-Q1 Vital Signs Score: 73/100 — 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 1.59% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2024:
↑ +6 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    ↑ +15
  • Capitalization
    ↑ +9
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +4

The five pillars

Liquidity

StableQoQ 0
75
Sub-score

Liquidity is stable: brokered 8.9%, loans/deposits 49.2%, cash 1.6% of assets.

Cash / Assets
1.59%
Loans / Deposits
49.24%
Brokered %
8.85%

Watch Items

  • watchCash / Assets below 3% — Cash 1.59% of assets (threshold 3%).

Securities

RiskQoQ +15
31
Sub-score

Securities profile is weak: securities 40.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
40.56%
No watch items at this period.

Capitalization

StableQoQ +9
76
Sub-score

Capital position is stable: Tier 1 RBC 12.77%, CET1 12.77%, leverage 7.16%.

Tier 1 RBC
12.77%
CET1
12.77%
Leverage
7.16%
No watch items at this period.

Asset Quality

StrongQoQ +1
89
Sub-score

Asset quality is strong: Adjusted NPL 1.64%, Texas Ratio 9.4%, NCO YTD 0.23%.

Adjusted NPL
1.64%
Govt-guarantees stripped
Texas Ratio
9.4%
NCO YTD
0.23%
30-89 PD
0.32%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +4
79
Sub-score

Reserves are stable: ALLL 1.69% of loans, coverage 105.0%, true coverage 105.0%.

ALLL / Loans
1.69%
Coverage
105.0%
True Loss Coverage
105.0%
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: 2026-05-14 19:58:01 UTC