Liquidity
StableQoQ -4
71
Sub-score
Liquidity is stable: brokered 13.1%, loans/deposits 98.9%.
- Cash / Assets
- —
- Loans / Deposits
- 98.90%
- Brokered %
- 13.10%
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 — 2026-Q1
Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
77
/ 100
StableAs 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 #1917301 2026-Q1 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).
Liquidity:Stable
Securities:Strong
Capitalization:Watch
Asset Quality:Strong
Reserves:Stable
Top 3 Watch Items
- riskCET1 below 7%Capitalization — CET1 0.00% (threshold 7%).
What changed this quarter
Compared to Q4 2025:
↑ +1 ptscomposite
- Liquidity↓ -4
- Securities— —
- Capitalization↑ +3
- Asset Quality↓ -1
- Reserves↑ +7
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 5.9% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 5.89%
SVB watch metric
No watch items at this period.
Capitalization
WatchQoQ +3
48
Sub-score
Capital position is deteriorating: Tier 1 RBC 11.04%, CET1 0.00%, leverage 9.53%.
- Tier 1 RBC
- 11.04%
- CET1
- 0.00%
- Leverage
- 9.53%
Watch Items
- riskCET1 below 7% — CET1 0.00% (threshold 7%).
Asset Quality
StrongQoQ -1
99
Sub-score
Asset quality is strong: Adjusted NPL 0.35%, Texas Ratio 2.6%, NCO YTD 0.05%.
- Adjusted NPL
- 0.35%
- Texas Ratio
- 2.6%
- NCO YTD
- 0.05%
- 30-89 PD
- 0.45%
- 90+ PD
- 0.02%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StableQoQ +7
76
Sub-score
Reserves are stable: ALLL 0.79% of loans, coverage 227.8%, true coverage 227.8%.
- ALLL / Loans
- 0.79%
- Coverage
- 227.8%
- True Loss Coverage
- 227.8%
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: 2026-05-13 04:30:36 UTC