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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 — 2024-Q1

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

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2024-Q1QoQ +4

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 #985451 2024-Q1 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Securities (watch).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q4 2023:
↑ +4 ptscomposite
  • Liquidity
    ↑ +16
  • Securities
    ↑ +14
  • Capitalization
    — —
  • Asset Quality
    ↓ 0
  • Reserves
    ↓ -4

The five pillars

Liquidity

StrongQoQ +16
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 51.0%, cash 12.7% of assets.

Cash / Assets
12.70%
Loans / Deposits
51.02%
Brokered %
0.00%
No watch items at this period.

Securities

WatchQoQ +14
52
Sub-score

Securities profile is deteriorating: securities 34.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
34.35%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 24.72%, CET1 24.72%, leverage 11.90%.

Tier 1 RBC
24.72%
CET1
24.72%
Leverage
11.90%
No watch items at this period.

Asset Quality

StrongQoQ 0
93
Sub-score

Asset quality is strong: Adjusted NPL 1.13%, Texas Ratio 4.4%, NCO YTD 0.00%.

Adjusted NPL
1.13%
Govt-guarantees stripped
Texas Ratio
4.4%
NCO YTD
0.00%
30-89 PD
0.49%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -4
55
Sub-score

Reserves are deteriorating: ALLL 1.02% of loans, coverage 90.5%, true coverage 90.5%.

ALLL / Loans
1.02%
Coverage
90.5%
True Loss Coverage
90.5%
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