Visbanking Logo
Skip to main content

Lamont Bank Of St John

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

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
62
/ 100
StableAs of 2025-Q4QoQ -8

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

Quarterly Headline

2025-Q4

Bank #519874 2025-Q4 Vital Signs Score: 62/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 3.41% of loans.
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.02% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↓ -8 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -29
  • Reserves
    ↓ -13

The five pillars

Liquidity

StrongQoQ +3
84
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 63.8%, cash 2.8% of assets.

Cash / Assets
2.75%
Loans / Deposits
63.80%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.75% of assets (threshold 3%).

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

WatchQoQ +2
45
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.35%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.35%

Watch Items

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

Asset Quality

RiskQoQ -29
35
Sub-score

Asset quality is weak: Adjusted NPL 4.02%, Texas Ratio 20.8%, NCO YTD 3.41%.

Adjusted NPL
4.02%
Govt-guarantees stripped
Texas Ratio
20.8%
NCO YTD
3.41%
30-89 PD
3.79%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.02% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 3.41% of loans.

Reserves

StableQoQ -13
67
Sub-score

Reserves are stable: ALLL 3.29% of loans, coverage 84.6%, true coverage 84.6%.

ALLL / Loans
3.29%
Coverage
84.6%
True Loss Coverage
84.6%
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