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Flora Bank And Trust

IDRSSD: 777441
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
87
/ 100
StrongAs 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 #777441 2026-Q1 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.37% of loans.

What changed this quarter

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

The five pillars

Liquidity

StrongQoQ +1
99
Sub-score

Liquidity is strong: brokered 2.2%, loans/deposits 55.0%, cash 12.9% of assets.

Cash / Assets
12.95%
Loans / Deposits
55.05%
Brokered %
2.17%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StrongQoQ -2
91
Sub-score

Capital position is strong: Tier 1 RBC 14.45%, CET1 14.45%, leverage 8.96%.

Tier 1 RBC
14.45%
CET1
14.45%
Leverage
8.96%
No watch items at this period.

Asset Quality

StrongQoQ -2
83
Sub-score

Asset quality is strong: Adjusted NPL 0.22%, Texas Ratio 1.3%, NCO YTD 0.00%.

Adjusted NPL
0.22%
Govt-guarantees stripped
Texas Ratio
1.3%
NCO YTD
0.00%
30-89 PD
3.19%
Band 0.3% / 3.0%
90+ PD
0.05%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +2
59
Sub-score

Reserves are deteriorating: ALLL 0.37% of loans, coverage 166.7%, true coverage 129.0%.

ALLL / Loans
0.37%
Coverage
166.7%
True Loss Coverage
129.0%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.37% 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 01:18:24 UTC