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Lea County State Bank

IDRSSD: 1015252
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
82
/ 100
StrongAs of 2024-Q1QoQ -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-Q1

Bank #1015252 2024-Q1 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.71% of loans.

What changed this quarter

Compared to Q4 2023:
↓ -8 ptscomposite
  • Liquidity
    ↑ +10
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -12
  • Reserves
    ↓ -43

The five pillars

Liquidity

StrongQoQ +10
92
Sub-score

Liquidity is strong: brokered 5.1%, loans/deposits 40.1%, cash 7.8% of assets.

Cash / Assets
7.80%
Loans / Deposits
40.12%
Brokered %
5.07%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 12.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
12.62%
No watch items at this period.

Capitalization

StrongQoQ -1
92
Sub-score

Capital position is strong: Tier 1 RBC 19.16%, CET1 19.16%, leverage 8.48%.

Tier 1 RBC
19.16%
CET1
19.16%
Leverage
8.48%
No watch items at this period.

Asset Quality

StrongQoQ -12
82
Sub-score

Asset quality is strong: Adjusted NPL 0.79%, Texas Ratio 3.0%, NCO YTD -0.02%.

Adjusted NPL
0.79%
Govt-guarantees stripped
Texas Ratio
3.0%
NCO YTD
-0.02%
30-89 PD
2.37%
Band 0.3% / 3.0%
90+ PD
0.37%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -43
33
Sub-score

Reserves are weak: ALLL 0.71% of loans, coverage 90.7%, true coverage 64.9%.

ALLL / Loans
0.71%
Coverage
90.7%
True Loss Coverage
64.9%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.71% of loans.

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 13:21:23 UTC