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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-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
93
/ 100
StrongAs of 2025-Q3QoQ +20

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

Quarterly Headline

2025-Q3

Bank #1397471 2025-Q3 Vital Signs Score: 93/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (strong).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.74% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2025:
↑ +20 ptscomposite
  • Liquidity
    ↑ +5
  • Securities
    ↑ +74
  • Capitalization
    ↓ -5
  • Asset Quality
    ↑ +22
  • Reserves
    ↑ +22

The five pillars

Liquidity

StrongQoQ +5
84
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 51.8%, cash 2.7% of assets.

Cash / Assets
2.74%
Loans / Deposits
51.76%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.74% of assets (threshold 3%).

Securities

StrongQoQ +74
100
Sub-score

Securities profile is strong: securities 1.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.85%
No watch items at this period.

Capitalization

StrongQoQ -5
93
Sub-score

Capital position is strong: Tier 1 RBC 14.61%, CET1 14.61%, leverage 8.51%.

Tier 1 RBC
14.61%
CET1
14.61%
Leverage
8.51%
No watch items at this period.

Asset Quality

StrongQoQ +22
95
Sub-score

Asset quality is strong: Adjusted NPL 0.95%, Texas Ratio 4.8%, NCO YTD 0.01%.

Adjusted NPL
0.95%
Govt-guarantees stripped
Texas Ratio
4.8%
NCO YTD
0.01%
30-89 PD
0.39%
Band 0.3% / 3.0%
90+ PD
0.09%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +22
96
Sub-score

Reserves are strong: ALLL 1.68% of loans, coverage 180.0%, true coverage 161.1%.

ALLL / Loans
1.68%
Coverage
180.0%
True Loss Coverage
161.1%
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