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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-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2024-Q3QoQ 0

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

Quarterly Headline

2024-Q3

Bank #271136 2024-Q3 Vital Signs Score: 76/100 — 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 4.07%.
  2. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.87% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2024:
↑ 0 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ 0
  • Reserves
    ↓ 0

The five pillars

Liquidity

StrongQoQ 0
94
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 60.2%, cash 7.1% of assets.

Cash / Assets
7.12%
Loans / Deposits
60.17%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 10.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
10.05%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 21.84%, CET1 21.84%, leverage 12.23%.

Tier 1 RBC
21.84%
CET1
21.84%
Leverage
12.23%
No watch items at this period.

Asset Quality

RiskQoQ 0
33
Sub-score

Asset quality is weak: Adjusted NPL 4.87%, Texas Ratio 18.0%, NCO YTD 0.02%.

Adjusted NPL
4.87%
Govt-guarantees stripped
Texas Ratio
18.0%
NCO YTD
0.02%
30-89 PD
3.02%
Band 0.3% / 3.0%
90+ PD
4.07%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.87% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 4.07%.

Reserves

StableQoQ 0
62
Sub-score

Reserves are stable: ALLL 3.62% of loans, coverage 77.0%, true coverage 77.0%.

ALLL / Loans
3.62%
Coverage
77.0%
True Loss Coverage
77.0%
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: 2026-05-12 19:57:56 UTC