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Lamont Bank Of St John

IDRSSD: 519874
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Vital Signs Report

5-pillar quarterly review (Liquidity, Securities, Capitalization, Asset Quality, Reserves) for 2026-Q1. Composite Vital Signs Score and ranked Watch Items.

Synthesis

Vital Signs Score
45
/ 100
WatchAs of 2026-Q1QoQ -16

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 #519874 2026-Q1 Vital Signs Score: 45/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    Texas Ratio above 50%
    Asset Quality — Texas Ratio 129.7% (industry watch band 50% / risk band 100%).
  2. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 22.70% (govt-guarantees stripped).
  3. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 8.43% of loans.

What changed this quarter

Compared to Q4 2025:
↓ -16 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↓ -23
  • Asset Quality
    ↓ -24
  • Reserves
    ↓ -34

The five pillars

Liquidity

StrongQoQ +2
86
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 62.7%, cash 3.8% of assets.

Cash / Assets
3.79%
Loans / Deposits
62.67%
Brokered %
0.00%
No watch items at this period.

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

RiskQoQ -23
21
Sub-score

Capital position is weak: CET1 0.00%, leverage 6.57%.

Tier 1 RBC
—
CET1
0.00%
Leverage
6.57%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

RiskQoQ -24
11
Sub-score

Asset quality is weak: Adjusted NPL 22.70%, Texas Ratio 129.7%, NCO YTD 8.43%.

Adjusted NPL
22.70%
Govt-guarantees stripped
Texas Ratio
129.7%
NCO YTD
8.43%
30-89 PD
1.17%
Band 0.3% / 3.0%
90+ PD
5.98%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 22.70% (govt-guarantees stripped).
  • riskTexas Ratio above 50% — Texas Ratio 129.7% (industry watch band 50% / risk band 100%).
  • risk90+ days past due elevated — 90+ PD 5.98%.
  • riskNet charge-offs elevated — NCO YTD 8.43% of loans.

Reserves

RiskQoQ -34
33
Sub-score

Reserves are weak: ALLL 5.52% of loans, coverage 25.8%, true coverage 25.8%.

ALLL / Loans
5.52%
Coverage
25.8%
True Loss Coverage
25.8%

Watch Items

  • watchALLL / NPL below 50% — Coverage 25.8% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 25.8% (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%. Pillars with no available metrics are dropped from the denominator (renormalised). See functions/src/vitalSignsScore.ts for exact formula and sub-score band anchors.
Pillar status
Strong ≥ 80, Stable ≥ 60, Watch ≥ 40, Risk < 40. Bands are scoring buckets, NOT regulatory thresholds.
Watch Items
Per-pillar rule trips with severity (Risk / Watch / Info) assigned by how far the metric breaches its threshold. Top-3 panel ranks across pillars: severity dominates, magnitude breaks ties.
Adjusted NPL
Noncurrent loans minus government-guaranteed nonaccrual (sourced from FFIEC Schedule RC-N Memorandum item 2). Strips out exposure with implicit US government backing, the same formula used by the Loan Restructuring Watch builder.
True Loss Coverage Ratio
ALLL ÷ (Adjusted NPL + Performing Mods). Surfaces under-reservation that conventional ALLL/NPL hides when banks aggressively modify rather than charge off.
Past-due 30-89 / 90+ PD
Bank-wide totals from FFIEC Schedule RC-N (30-89 days past due and 90+ days past due still accruing) divided by total loans and leases (net of unearned income). Score bands: 30-89 PD Good 0.3% / Bad 3.0%; 90+ PD Good 0.1% / Bad 2.0%.
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, Watch Item rules, and per-quarter URL surface are Visbanking's own work.

Generated: 2026-05-14 17:04:19 UTC