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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 — 2024-Q3

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

Synthesis

Vital Signs Score
62
/ 100
StableAs of 2024-Q3QoQ -3

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 #758851 2024-Q3 Vital Signs Score: 62/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 9.6% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 17.5% (regulatory soft-warning level 50%).
  3. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 119.2% (threshold 100%).

What changed this quarter

Compared to Q2 2024:
↓ -3 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↓ -6
  • Asset Quality
    ↓ -4
  • Reserves
    — —

The five pillars

Liquidity

WatchQoQ 0
40
Sub-score

Liquidity is deteriorating: brokered 46.8%, loans/deposits 119.2%, cash 1.2% of assets.

Cash / Assets
1.18%
Loans / Deposits
119.15%
Brokered %
46.76%

Watch Items

  • riskBrokered deposits above 30% — Brokered 46.8% of deposits (threshold 30%).
  • riskLoans / Deposits above 100% — Loans/Deposits 119.2% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.18% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.10%
No watch items at this period.

Capitalization

StrongQoQ -6
86
Sub-score

Capital position is strong: Tier 1 RBC 14.48%, CET1 14.48%, leverage 7.28%.

Tier 1 RBC
14.48%
CET1
14.48%
Leverage
7.28%
No watch items at this period.

Asset Quality

StableQoQ -4
71
Sub-score

Asset quality is stable: Adjusted NPL 2.62%, Texas Ratio 34.0%, NCO YTD 0.03%.

Adjusted NPL
2.62%
Govt-guarantees stripped
Texas Ratio
34.0%
NCO YTD
0.03%
30-89 PD
1.36%
Band 0.3% / 3.0%
90+ PD
0.05%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.62% (govt-guarantees stripped).

Reserves

Risk
0
Sub-score

Reserves are weak: ALLL 0.46% of loans, coverage 17.5%, true coverage 9.6%.

ALLL / Loans
0.46%
Coverage
17.5%
True Loss Coverage
9.6%

Watch Items

  • riskALLL / NPL below 50% — Coverage 17.5% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 9.6% (Adjusted NPL + Performing Mods denominator).
  • watchALLL / Loans below 0.75% — ALLL 0.46% 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