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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 — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
63
/ 100
StableAs of 2026-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

2026-Q1

Bank #758851 2026-Q1 Vital Signs Score: 63/100 — 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 16.3% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 20.0% (regulatory soft-warning level 50%).
  3. risk
    Brokered deposits above 30%
    Liquidity — Brokered 52.1% of deposits (threshold 30%).

What changed this quarter

Compared to Q4 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ 0
  • Reserves
    ↑ +2

The five pillars

Liquidity

WatchQoQ -4
45
Sub-score

Liquidity is deteriorating: brokered 52.1%, loans/deposits 109.1%, cash 3.2% of assets.

Cash / Assets
3.15%
Loans / Deposits
109.11%
Brokered %
52.09%

Watch Items

  • riskBrokered deposits above 30% — Brokered 52.1% of deposits (threshold 30%).
  • watchLoans / Deposits above 100% — Loans/Deposits 109.1% (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 -1
89
Sub-score

Capital position is strong: Tier 1 RBC 15.96%, CET1 15.96%, leverage 7.29%.

Tier 1 RBC
15.96%
CET1
15.96%
Leverage
7.29%
No watch items at this period.

Asset Quality

StableQoQ 0
62
Sub-score

Asset quality is stable: Adjusted NPL 3.79%, Texas Ratio 45.0%, NCO YTD 0.27%.

Adjusted NPL
3.79%
Govt-guarantees stripped
Texas Ratio
45.0%
NCO YTD
0.27%
30-89 PD
0.66%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.79% (govt-guarantees stripped).

Reserves

RiskQoQ +2
8
Sub-score

Reserves are weak: ALLL 0.75% of loans, coverage 20.0%, true coverage 16.3%.

ALLL / Loans
0.75%
Coverage
20.0%
True Loss Coverage
16.3%

Watch Items

  • riskALLL / NPL below 50% — Coverage 20.0% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 16.3% (Adjusted NPL + Performing Mods denominator).

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