Liquidity
StableQoQ -10
73
Sub-score
Liquidity is stable: brokered 14.2%, loans/deposits 93.5%.
- Cash / Assets
- —
- Loans / Deposits
- 93.54%
- Brokered %
- 14.20%
No watch items at this period.
Lake Forest Bank And Trust Company National Association
IDRSSD: 1917301
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2023-Q4
Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
86
/ 100
StrongAs of 2023-Q4QoQ -3
Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.
Quarterly Headline
2023-Q4
Bank #1917301 2023-Q4 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).
Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Stable
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q3 2023:
↓ -3 ptscomposite
- Liquidity↓ -10
- Securities— —
- Capitalization↑ +4
- Asset Quality↓ -1
- Reserves— —
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 7.8% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 7.78%
SVB watch metric
No watch items at this period.
Capitalization
StrongQoQ +4
83
Sub-score
Capital position is strong: Tier 1 RBC 11.76%, leverage 9.88%.
- Tier 1 RBC
- 11.76%
- CET1
- —
- Leverage
- 9.88%
No watch items at this period.
Asset Quality
StrongQoQ -1
99
Sub-score
Asset quality is strong: Adjusted NPL 0.30%, Texas Ratio 2.0%, NCO YTD 0.03%.
- Adjusted NPL
- 0.30%
- Texas Ratio
- 2.0%
- NCO YTD
- 0.03%
- 30-89 PD
- 0.51%
- 90+ PD
- 0.05%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
Stable
75
Sub-score
Reserves are stable: ALLL 0.75% of loans, coverage 253.2%, true coverage 149.2%.
- ALLL / Loans
- 0.75%
- Coverage
- 253.2%
- True Loss Coverage
- 149.2%
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: 2026-05-13 04:30:36 UTC