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Ladysmith Federal Savings And Loan Association

IDRSSD: 686570
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
74
/ 100
StableAs of 2025-Q4QoQ -6

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 #686570 2025-Q4 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Stable
Reserves:Risk

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 37.5% (Adjusted NPL + Performing Mods denominator).
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 45.2% (regulatory soft-warning level 50%).
  3. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 101.0% (threshold 100%).

What changed this quarter

Compared to Q3 2025:
↓ -6 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↓ -22
  • Reserves
    ↓ -4

The five pillars

Liquidity

StableQoQ 0
77
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 101.0%, cash 6.7% of assets.

Cash / Assets
6.73%
Loans / Deposits
100.99%
Brokered %
0.00%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 101.0% (threshold 100%).

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 0
96
Sub-score

Capital position is strong: Tier 1 RBC 15.70%, CET1 15.70%, leverage 9.11%.

Tier 1 RBC
15.70%
CET1
15.70%
Leverage
9.11%
No watch items at this period.

Asset Quality

StableQoQ -22
69
Sub-score

Asset quality is stable: Adjusted NPL 1.77%, Texas Ratio 14.3%, NCO YTD 0.03%.

Adjusted NPL
1.77%
Govt-guarantees stripped
Texas Ratio
14.3%
NCO YTD
0.03%
30-89 PD
3.06%
Band 0.3% / 3.0%
90+ PD
0.36%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -4
13
Sub-score

Reserves are weak: ALLL 0.80% of loans, coverage 45.2%, true coverage 37.5%.

ALLL / Loans
0.80%
Coverage
45.2%
True Loss Coverage
37.5%

Watch Items

  • infoALLL / NPL below 50% — Coverage 45.2% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 37.5% (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 06:48:37 UTC