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Lawrence Bank

IDRSSD: 774132
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2024-Q1QoQ -4

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

Quarterly Headline

2024-Q1

Bank #774132 2024-Q1 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.01% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2023:
↓ -4 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +6
  • Asset Quality
    ↓ -5
  • Reserves
    ↓ -26

The five pillars

Liquidity

StableQoQ -2
79
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 77.1%, cash 2.0% of assets.

Cash / Assets
2.01%
Loans / Deposits
77.05%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.01% 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

StableQoQ +6
66
Sub-score

Capital position is stable: Tier 1 RBC 11.23%, CET1 11.23%, leverage 7.82%.

Tier 1 RBC
11.23%
CET1
11.23%
Leverage
7.82%
No watch items at this period.

Asset Quality

StrongQoQ -5
93
Sub-score

Asset quality is strong: Adjusted NPL 1.12%, Texas Ratio 8.3%, NCO YTD 0.01%.

Adjusted NPL
1.12%
Govt-guarantees stripped
Texas Ratio
8.3%
NCO YTD
0.01%
30-89 PD
0.15%
Band 0.3% / 3.0%
90+ PD
0.32%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -26
57
Sub-score

Reserves are deteriorating: ALLL 1.03% of loans, coverage 93.2%, true coverage 93.2%.

ALLL / Loans
1.03%
Coverage
93.2%
True Loss Coverage
93.2%
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: 2026-05-13 01:16:05 UTC