Liquidity
Strong
100
Sub-score
Liquidity is strong: brokered 0.0%, loans/deposits 68.6%, cash 15.6% of assets.
- Cash / Assets
- 15.59%
- Loans / Deposits
- 68.57%
- Brokered %
- 0.00%
No watch items at this period.
Lafayette State Bank
IDRSSD: 535931
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2024-Q2
Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
90
/ 100
StrongAs of 2024-Q2QoQ +4
Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.
Quarterly Headline
2024-Q2
Bank #535931 2024-Q2 Vital Signs Score: 90/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Capitalization (stable).
Liquidity:Strong
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Strong
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q1 2024:
↑ +4 ptscomposite
- Liquidity— —
- Securities— —
- Capitalization↑ +16
- Asset Quality↓ -4
- Reserves↑ +5
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 0.0% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 0.00%
SVB watch metric
No watch items at this period.
Capitalization
StableQoQ +16
74
Sub-score
Capital position is stable: Tier 1 RBC 12.05%, CET1 12.05%, leverage 8.52%.
- Tier 1 RBC
- 12.05%
- CET1
- 12.05%
- Leverage
- 8.52%
No watch items at this period.
Asset Quality
StrongQoQ -4
91
Sub-score
Asset quality is strong: Adjusted NPL 1.03%, Texas Ratio 6.9%, NCO YTD -0.42%.
- Adjusted NPL
- 1.03%
- Texas Ratio
- 6.9%
- NCO YTD
- -0.42%
- 30-89 PD
- 0.91%
- 90+ PD
- 0.00%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StrongQoQ +5
94
Sub-score
Reserves are strong: ALLL 1.74% of loans, coverage 172.2%, true coverage 136.8%.
- ALLL / Loans
- 1.74%
- Coverage
- 172.2%
- True Loss Coverage
- 136.8%
No watch items at this period.
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.tsfor 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: 2026-05-15 02:31:03 UTC