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Lamont Bank Of St John

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

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
67
/ 100
StableAs of 2024-Q3QoQ -8

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

Quarterly Headline

2024-Q3

Bank #519874 2024-Q3 Vital Signs Score: 67/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.16% (govt-guarantees stripped).
  3. info
    Cash / Assets below 3%
    Liquidity — Cash 2.67% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2024:
↓ -8 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -15
  • Reserves
    ↓ -29

The five pillars

Liquidity

StableQoQ 0
71
Sub-score

Liquidity is stable: brokered 9.2%, loans/deposits 82.4%, cash 2.7% of assets.

Cash / Assets
2.67%
Loans / Deposits
82.39%
Brokered %
9.21%

Watch Items

  • infoCash / Assets below 3% — Cash 2.67% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.38%
No watch items at this period.

Capitalization

WatchQoQ -1
47
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.60%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.60%

Watch Items

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

Asset Quality

WatchQoQ -15
60
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.16%, Texas Ratio 17.0%, NCO YTD -11.78%.

Adjusted NPL
3.16%
Govt-guarantees stripped
Texas Ratio
17.0%
NCO YTD
-11.78%
30-89 PD
4.48%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.16% (govt-guarantees stripped).

Reserves

StableQoQ -29
71
Sub-score

Reserves are stable: ALLL 3.36% of loans, coverage 110.1%, true coverage 80.9%.

ALLL / Loans
3.36%
Coverage
110.1%
True Loss Coverage
80.9%
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 17:04:19 UTC