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Bank Of Louisiana

IDRSSD: 271136
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2024-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

2024-Q1

Bank #271136 2024-Q1 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 3.45%.
  2. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.49% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2023:
↓ -6 ptscomposite
  • Liquidity
    ↑ +8
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -18
  • Reserves
    ↓ -21

The five pillars

Liquidity

StrongQoQ +8
98
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 60.4%, cash 9.2% of assets.

Cash / Assets
9.19%
Loans / Deposits
60.36%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 11.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
11.22%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 20.49%, CET1 20.49%, leverage 11.50%.

Tier 1 RBC
20.49%
CET1
20.49%
Leverage
11.50%
No watch items at this period.

Asset Quality

RiskQoQ -18
34
Sub-score

Asset quality is weak: Adjusted NPL 4.49%, Texas Ratio 17.7%, NCO YTD 0.06%.

Adjusted NPL
4.49%
Govt-guarantees stripped
Texas Ratio
17.7%
NCO YTD
0.06%
30-89 PD
3.17%
Band 0.3% / 3.0%
90+ PD
3.45%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.49% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 3.45%.

Reserves

StableQoQ -21
67
Sub-score

Reserves are stable: ALLL 3.67% of loans, coverage 84.7%, true coverage 84.7%.

ALLL / Loans
3.67%
Coverage
84.7%
True Loss Coverage
84.7%
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: 2026-05-12 19:57:56 UTC