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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 — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
61
/ 100
StableAs of 2025-Q1QoQ -1

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

Quarterly Headline

2025-Q1

Bank #758851 2025-Q1 Vital Signs Score: 61/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 15.6% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 18.2% (regulatory soft-warning level 50%).
  3. risk
    Brokered deposits above 30%
    Liquidity — Brokered 54.5% of deposits (threshold 30%).

What changed this quarter

Compared to Q4 2024:
↓ -1 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -5
  • Reserves
    ↑ +4

The five pillars

Liquidity

WatchQoQ -4
40
Sub-score

Liquidity is deteriorating: brokered 54.5%, loans/deposits 112.7%, cash 0.5% of assets.

Cash / Assets
0.48%
Loans / Deposits
112.68%
Brokered %
54.49%

Watch Items

  • riskBrokered deposits above 30% — Brokered 54.5% of deposits (threshold 30%).
  • watchLoans / Deposits above 100% — Loans/Deposits 112.7% (threshold 100%).
  • riskCash / Assets below 3% — Cash 0.48% 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 +2
90
Sub-score

Capital position is strong: Tier 1 RBC 15.71%, CET1 15.71%, leverage 7.57%.

Tier 1 RBC
15.71%
CET1
15.71%
Leverage
7.57%
No watch items at this period.

Asset Quality

WatchQoQ -5
60
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.58%, Texas Ratio 44.2%, NCO YTD 0.29%.

Adjusted NPL
3.58%
Govt-guarantees stripped
Texas Ratio
44.2%
NCO YTD
0.29%
30-89 PD
1.31%
Band 0.3% / 3.0%
90+ PD
0.06%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.58% (govt-guarantees stripped).

Reserves

RiskQoQ +4
5
Sub-score

Reserves are weak: ALLL 0.65% of loans, coverage 18.2%, true coverage 15.6%.

ALLL / Loans
0.65%
Coverage
18.2%
True Loss Coverage
15.6%

Watch Items

  • riskALLL / NPL below 50% — Coverage 18.2% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 15.6% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.65% 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