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First Bank Of The Lake

IDRSSD: 758851
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
69
/ 100
StableAs of 2023-Q4QoQ -19

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 #758851 2023-Q4 Vital Signs Score: 69/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.33% of loans.
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 27.8% (Adjusted NPL + Performing Mods denominator).
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 29.3% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q3 2023:
↓ -19 ptscomposite
  • Liquidity
    ↓ -8
  • Securities
    — —
  • Capitalization
    ↓ -9
  • Asset Quality
    ↓ -7
  • Reserves
    — —

The five pillars

Liquidity

WatchQoQ -8
43
Sub-score

Liquidity is deteriorating: brokered 37.3%, loans/deposits 106.5%, cash 1.4% of assets.

Cash / Assets
1.43%
Loans / Deposits
106.49%
Brokered %
37.32%

Watch Items

  • watchBrokered deposits above 30% — Brokered 37.3% of deposits (threshold 30%).
  • watchLoans / Deposits above 100% — Loans/Deposits 106.5% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.43% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.90%
No watch items at this period.

Capitalization

StrongQoQ -9
90
Sub-score

Capital position is strong: Tier 1 RBC 16.01%, CET1 16.01%, leverage 8.28%.

Tier 1 RBC
16.01%
CET1
16.01%
Leverage
8.28%
No watch items at this period.

Asset Quality

StrongQoQ -7
93
Sub-score

Asset quality is strong: Adjusted NPL 1.12%, Texas Ratio 12.9%, NCO YTD 0.12%.

Adjusted NPL
1.12%
Govt-guarantees stripped
Texas Ratio
12.9%
NCO YTD
0.12%
30-89 PD
0.47%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Risk
0
Sub-score

Reserves are weak: ALLL 0.33% of loans, coverage 29.3%, true coverage 27.8%.

ALLL / Loans
0.33%
Coverage
29.3%
True Loss Coverage
27.8%

Watch Items

  • watchALLL / NPL below 50% — Coverage 29.3% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 27.8% (Adjusted NPL + Performing Mods denominator).
  • riskALLL / Loans below 0.75% — ALLL 0.33% of loans.

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: 2026-05-13 04:16:15 UTC