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Exchange Bank And Trust Company Natchitoches Louisiana

IDRSSD: 985451
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StableAs of 2023-Q4QoQ -8

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

Quarterly Headline

2023-Q4

Bank #985451 2023-Q4 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Capitalization (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.86% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2023:
↓ -8 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    ↓ -13
  • Capitalization
    — —
  • Asset Quality
    ↓ -6
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ 0
84
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 55.2%, cash 2.9% of assets.

Cash / Assets
2.86%
Loans / Deposits
55.18%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.86% of assets (threshold 3%).

Securities

RiskQoQ -13
39
Sub-score

Securities profile is weak: securities 38.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
38.41%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 24.25%, CET1 24.25%, leverage 11.22%.

Tier 1 RBC
24.25%
CET1
24.25%
Leverage
11.22%
No watch items at this period.

Asset Quality

StrongQoQ -6
94
Sub-score

Asset quality is strong: Adjusted NPL 1.20%, Texas Ratio 4.7%, NCO YTD 0.00%.

Adjusted NPL
1.20%
Govt-guarantees stripped
Texas Ratio
4.7%
NCO YTD
0.00%
30-89 PD
0.33%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Watch
59
Sub-score

Reserves are deteriorating: ALLL 1.10% of loans, coverage 92.8%, true coverage 92.8%.

ALLL / Loans
1.10%
Coverage
92.8%
True Loss Coverage
92.8%
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 01:21:27 UTC