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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-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
65
/ 100
StableAs of 2025-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

2025-Q3

Bank #758851 2025-Q3 Vital Signs Score: 65/100 — 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 15.4% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 19.5% (regulatory soft-warning level 50%).
  3. risk
    Brokered deposits above 30%
    Liquidity — Brokered 53.2% of deposits (threshold 30%).

What changed this quarter

Compared to Q2 2025:
↑ +3 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↑ +3
  • Reserves
    ↑ +3

The five pillars

Liquidity

WatchQoQ +6
46
Sub-score

Liquidity is deteriorating: brokered 53.2%, loans/deposits 107.6%, cash 3.1% of assets.

Cash / Assets
3.07%
Loans / Deposits
107.62%
Brokered %
53.19%

Watch Items

  • riskBrokered deposits above 30% — Brokered 53.2% of deposits (threshold 30%).
  • watchLoans / Deposits above 100% — Loans/Deposits 107.6% (threshold 100%).

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 +2
92
Sub-score

Capital position is strong: Tier 1 RBC 16.63%, CET1 16.63%, leverage 8.02%.

Tier 1 RBC
16.63%
CET1
16.63%
Leverage
8.02%
No watch items at this period.

Asset Quality

StableQoQ +3
67
Sub-score

Asset quality is stable: Adjusted NPL 3.48%, Texas Ratio 39.4%, NCO YTD 0.13%.

Adjusted NPL
3.48%
Govt-guarantees stripped
Texas Ratio
39.4%
NCO YTD
0.13%
30-89 PD
0.63%
Band 0.3% / 3.0%
90+ PD
0.15%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.48% (govt-guarantees stripped).

Reserves

RiskQoQ +3
6
Sub-score

Reserves are weak: ALLL 0.67% of loans, coverage 19.5%, true coverage 15.4%.

ALLL / Loans
0.67%
Coverage
19.5%
True Loss Coverage
15.4%

Watch Items

  • riskALLL / NPL below 50% — Coverage 19.5% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 15.4% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.67% 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