Liquidity
Strong
100
Sub-score
Liquidity is strong: brokered 0.0%, loans/deposits 24.2%, cash 19.9% of assets.
- Cash / Assets
- 19.92%
- Loans / Deposits
- 24.22%
- Brokered %
- 0.00%
No watch items at this period.
Latimer State Bank
IDRSSD: 51356
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2025-Q1
Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
90
/ 100
StrongAs of 2025-Q1QoQ -3
Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.
Quarterly Headline
2025-Q1
Bank #51356 2025-Q1 Vital Signs Score: 90/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Asset Quality (stable).
Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Stable
Reserves:Strong
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q4 2024:
↓ -3 ptscomposite
- Liquidity— —
- Securities— —
- Capitalization— —
- Asset Quality↓ -8
- Reserves↓ -5
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 0.0% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 0.00%
SVB watch metric
No watch items at this period.
Capitalization
Strong
100
Sub-score
Capital position is strong: Tier 1 RBC 69.31%, CET1 69.31%, leverage 23.71%.
- Tier 1 RBC
- 69.31%
- CET1
- 69.31%
- Leverage
- 23.71%
No watch items at this period.
Asset Quality
StableQoQ -8
69
Sub-score
Asset quality is stable: Adjusted NPL 1.28%, Texas Ratio 1.0%, NCO YTD -0.19%.
- Adjusted NPL
- 1.28%
- Texas Ratio
- 1.0%
- NCO YTD
- -0.19%
- 30-89 PD
- 5.87%
- 90+ PD
- 0.91%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StrongQoQ -5
86
Sub-score
Reserves are strong: ALLL 1.70% of loans, coverage 135.8%, true coverage 135.8%.
- ALLL / Loans
- 1.70%
- Coverage
- 135.8%
- True Loss Coverage
- 135.8%
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 01:22:51 UTC