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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
64
/ 100
StableAs of 2025-Q4QoQ -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-Q4

Bank #758851 2025-Q4 Vital Signs Score: 64/100 — 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 22.8% (regulatory soft-warning level 50%).
  3. risk
    Brokered deposits above 30%
    Liquidity — Brokered 55.9% of deposits (threshold 30%).

What changed this quarter

Compared to Q3 2025:
↓ -1 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -4
  • Reserves
    ↑ +1

The five pillars

Liquidity

WatchQoQ +3
49
Sub-score

Liquidity is deteriorating: brokered 55.9%, loans/deposits 106.9%, cash 4.4% of assets.

Cash / Assets
4.43%
Loans / Deposits
106.94%
Brokered %
55.87%

Watch Items

  • riskBrokered deposits above 30% — Brokered 55.9% of deposits (threshold 30%).
  • watchLoans / Deposits above 100% — Loans/Deposits 106.9% (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
0.07%
No watch items at this period.

Capitalization

StrongQoQ -2
90
Sub-score

Capital position is strong: Tier 1 RBC 15.63%, CET1 15.63%, leverage 7.52%.

Tier 1 RBC
15.63%
CET1
15.63%
Leverage
7.52%
No watch items at this period.

Asset Quality

StableQoQ -4
62
Sub-score

Asset quality is stable: Adjusted NPL 3.09%, Texas Ratio 37.4%, NCO YTD 0.67%.

Adjusted NPL
3.09%
Govt-guarantees stripped
Texas Ratio
37.4%
NCO YTD
0.67%
30-89 PD
1.22%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.09% (govt-guarantees stripped).

Reserves

RiskQoQ +1
7
Sub-score

Reserves are weak: ALLL 0.70% of loans, coverage 22.8%, true coverage 15.4%.

ALLL / Loans
0.70%
Coverage
22.8%
True Loss Coverage
15.4%

Watch Items

  • riskALLL / NPL below 50% — Coverage 22.8% (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 0.70% 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