Visbanking Logo
Skip to main content

Lea County State Bank

IDRSSD: 1015252
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
74
/ 100
StableAs of 2025-Q2QoQ -5

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

Quarterly Headline

2025-Q2

Bank #1015252 2025-Q2 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 19.9% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 19.9% (Adjusted NPL + Performing Mods denominator).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.59% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2025:
↓ -5 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -18
  • Reserves
    ↓ -6

The five pillars

Liquidity

StrongQoQ +6
88
Sub-score

Liquidity is strong: brokered 12.7%, loans/deposits 33.9%, cash 8.6% of assets.

Cash / Assets
8.63%
Loans / Deposits
33.90%
Brokered %
12.67%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 13.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
13.55%
No watch items at this period.

Capitalization

StrongQoQ -1
94
Sub-score

Capital position is strong: Tier 1 RBC 19.99%, CET1 19.99%, leverage 8.60%.

Tier 1 RBC
19.99%
CET1
19.99%
Leverage
8.60%
No watch items at this period.

Asset Quality

StableQoQ -18
61
Sub-score

Asset quality is stable: Adjusted NPL 5.59%, Texas Ratio 19.1%, NCO YTD 0.01%.

Adjusted NPL
5.59%
Govt-guarantees stripped
Texas Ratio
19.1%
NCO YTD
0.01%
30-89 PD
0.64%
Band 0.3% / 3.0%
90+ PD
0.37%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.59% (govt-guarantees stripped).

Reserves

RiskQoQ -6
20
Sub-score

Reserves are weak: ALLL 1.10% of loans, coverage 19.9%, true coverage 19.9%.

ALLL / Loans
1.10%
Coverage
19.9%
True Loss Coverage
19.9%

Watch Items

  • riskALLL / NPL below 50% — Coverage 19.9% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 19.9% (Adjusted NPL + Performing Mods denominator).

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