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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-Q4

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

Synthesis

Vital Signs Score
62
/ 100
StableAs of 2024-Q4QoQ 0

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 #758851 2024-Q4 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 11.9% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 18.3% (regulatory soft-warning level 50%).
  3. risk
    Brokered deposits above 30%
    Liquidity — Brokered 47.9% of deposits (threshold 30%).

What changed this quarter

Compared to Q3 2024:
↓ 0 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -7
  • Reserves
    ↑ +1

The five pillars

Liquidity

WatchQoQ +3
44
Sub-score

Liquidity is deteriorating: brokered 47.9%, loans/deposits 107.1%, cash 2.1% of assets.

Cash / Assets
2.09%
Loans / Deposits
107.06%
Brokered %
47.88%

Watch Items

  • riskBrokered deposits above 30% — Brokered 47.9% of deposits (threshold 30%).
  • watchLoans / Deposits above 100% — Loans/Deposits 107.1% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.09% 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
0.09%
No watch items at this period.

Capitalization

StrongQoQ +1
88
Sub-score

Capital position is strong: Tier 1 RBC 14.62%, CET1 14.62%, leverage 7.34%.

Tier 1 RBC
14.62%
CET1
14.62%
Leverage
7.34%
No watch items at this period.

Asset Quality

StableQoQ -7
64
Sub-score

Asset quality is stable: Adjusted NPL 2.89%, Texas Ratio 36.5%, NCO YTD 0.00%.

Adjusted NPL
2.89%
Govt-guarantees stripped
Texas Ratio
36.5%
NCO YTD
0.00%
30-89 PD
1.57%
Band 0.3% / 3.0%
90+ PD
0.39%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.89% (govt-guarantees stripped).

Reserves

RiskQoQ +1
1
Sub-score

Reserves are weak: ALLL 0.53% of loans, coverage 18.3%, true coverage 11.9%.

ALLL / Loans
0.53%
Coverage
18.3%
True Loss Coverage
11.9%

Watch Items

  • riskALLL / NPL below 50% — Coverage 18.3% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 11.9% (Adjusted NPL + Performing Mods denominator).
  • watchALLL / Loans below 0.75% — ALLL 0.53% 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