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Lake City Bank

IDRSSD: 874845
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
90
/ 100
StrongAs of 2025-Q2QoQ -2

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q2

Bank #874845 2025-Q2 Vital Signs Score: 90/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.21% of loans.

What changed this quarter

Compared to Q1 2025:
↓ -2 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -12
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ +4
79
Sub-score

Liquidity is stable: brokered 2.4%, loans/deposits 83.5%, cash 4.4% of assets.

Cash / Assets
4.35%
Loans / Deposits
83.54%
Brokered %
2.43%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.90%
No watch items at this period.

Capitalization

StrongQoQ +1
99
Sub-score

Capital position is strong: Tier 1 RBC 14.68%, CET1 14.68%, leverage 12.16%.

Tier 1 RBC
14.68%
CET1
14.68%
Leverage
12.16%
No watch items at this period.

Asset Quality

StrongQoQ -12
82
Sub-score

Asset quality is strong: Adjusted NPL 0.59%, Texas Ratio 3.3%, NCO YTD 2.21%.

Adjusted NPL
0.59%
Govt-guarantees stripped
Texas Ratio
3.3%
NCO YTD
2.21%
30-89 PD
0.03%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 2.21% of loans.

Reserves

StrongQoQ +1
92
Sub-score

Reserves are strong: ALLL 1.27% of loans, coverage 217.1%, true coverage 191.4%.

ALLL / Loans
1.27%
Coverage
217.1%
True Loss Coverage
191.4%
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.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: 2026-05-14 14:42:08 UTC