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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-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
62
/ 100
StableAs of 2025-Q2QoQ +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-Q2

Bank #758851 2025-Q2 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 14.5% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 16.7% (regulatory soft-warning level 50%).
  3. risk
    Brokered deposits above 30%
    Liquidity — Brokered 60.2% of deposits (threshold 30%).

What changed this quarter

Compared to Q1 2025:
↑ +1 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↑ +4
  • Reserves
    ↓ -2

The five pillars

Liquidity

Watch
40
Sub-score

Liquidity is deteriorating: brokered 60.2%, loans/deposits 114.8%, cash 0.7% of assets.

Cash / Assets
0.69%
Loans / Deposits
114.79%
Brokered %
60.23%

Watch Items

  • riskBrokered deposits above 30% — Brokered 60.2% of deposits (threshold 30%).
  • watchLoans / Deposits above 100% — Loans/Deposits 114.8% (threshold 100%).
  • riskCash / Assets below 3% — Cash 0.69% 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
0.08%
No watch items at this period.

Capitalization

StrongQoQ 0
90
Sub-score

Capital position is strong: Tier 1 RBC 15.86%, CET1 15.86%, leverage 7.57%.

Tier 1 RBC
15.86%
CET1
15.86%
Leverage
7.57%
No watch items at this period.

Asset Quality

StableQoQ +4
63
Sub-score

Asset quality is stable: Adjusted NPL 3.47%, Texas Ratio 42.6%, NCO YTD 0.52%.

Adjusted NPL
3.47%
Govt-guarantees stripped
Texas Ratio
42.6%
NCO YTD
0.52%
30-89 PD
0.56%
Band 0.3% / 3.0%
90+ PD
0.12%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.47% (govt-guarantees stripped).

Reserves

RiskQoQ -2
3
Sub-score

Reserves are weak: ALLL 0.58% of loans, coverage 16.7%, true coverage 14.5%.

ALLL / Loans
0.58%
Coverage
16.7%
True Loss Coverage
14.5%

Watch Items

  • riskALLL / NPL below 50% — Coverage 16.7% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 14.5% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.58% 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