Visbanking Logo
Skip to main content

Bank Of Louisiana

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

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2024-Q4QoQ -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-Q4

Bank #271136 2024-Q4 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 9.50% (govt-guarantees stripped).
  2. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 5.18%.
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 38.3% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q3 2024:
↓ -6 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -7
  • Reserves
    ↓ -24

The five pillars

Liquidity

StrongQoQ -1
93
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 59.2%, cash 6.7% of assets.

Cash / Assets
6.66%
Loans / Deposits
59.24%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 9.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
9.77%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 20.46%, CET1 20.46%, leverage 11.41%.

Tier 1 RBC
20.46%
CET1
20.46%
Leverage
11.41%
No watch items at this period.

Asset Quality

RiskQoQ -7
26
Sub-score

Asset quality is weak: Adjusted NPL 9.50%, Texas Ratio 37.3%, NCO YTD 0.35%.

Adjusted NPL
9.50%
Govt-guarantees stripped
Texas Ratio
37.3%
NCO YTD
0.35%
30-89 PD
5.33%
Band 0.3% / 3.0%
90+ PD
5.18%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 9.50% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 5.18%.

Reserves

RiskQoQ -24
37
Sub-score

Reserves are weak: ALLL 3.51% of loans, coverage 38.3%, true coverage 38.3%.

ALLL / Loans
3.51%
Coverage
38.3%
True Loss Coverage
38.3%

Watch Items

  • watchALLL / NPL below 50% — Coverage 38.3% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 38.3% (Adjusted NPL + Performing Mods denominator).

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