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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-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
73
/ 100
StableAs of 2025-Q2QoQ +1

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

Quarterly Headline

2025-Q2

Bank #1397471 2025-Q2 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Capitalization (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.71% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2025:
↑ +1 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    ↓ -6
  • Capitalization
    ↑ +22
  • Asset Quality
    ↓ -16
  • Reserves
    ↓ -5

The five pillars

Liquidity

StableQoQ +3
78
Sub-score

Liquidity is stable: brokered 4.6%, loans/deposits 53.3%, cash 1.7% of assets.

Cash / Assets
1.71%
Loans / Deposits
53.26%
Brokered %
4.64%

Watch Items

  • watchCash / Assets below 3% — Cash 1.71% of assets (threshold 3%).

Securities

RiskQoQ -6
26
Sub-score

Securities profile is weak: securities 42.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
42.25%
No watch items at this period.

Capitalization

StrongQoQ +22
98
Sub-score

Capital position is strong: Tier 1 RBC 16.90%, CET1 16.90%, leverage 9.59%.

Tier 1 RBC
16.90%
CET1
16.90%
Leverage
9.59%
No watch items at this period.

Asset Quality

StableQoQ -16
73
Sub-score

Asset quality is stable: Adjusted NPL 1.69%, Texas Ratio 7.7%, NCO YTD 0.54%.

Adjusted NPL
1.69%
Govt-guarantees stripped
Texas Ratio
7.7%
NCO YTD
0.54%
30-89 PD
2.39%
Band 0.3% / 3.0%
90+ PD
0.12%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -5
74
Sub-score

Reserves are stable: ALLL 1.56% of loans, coverage 94.1%, true coverage 94.1%.

ALLL / Loans
1.56%
Coverage
94.1%
True Loss Coverage
94.1%
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