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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 — 2025-Q4

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

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2025-Q4QoQ -1

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 #1015252 2025-Q4 Vital Signs Score: 75/100 — 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. watch
    ALLL / NPL below 50%
    Reserves — Coverage 31.0% (regulatory soft-warning level 50%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 31.0% (Adjusted NPL + Performing Mods denominator).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.06% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ -3
  • Reserves
    ↑ 0

The five pillars

Liquidity

StrongQoQ -3
83
Sub-score

Liquidity is strong: brokered 8.0%, loans/deposits 34.9%, cash 4.9% of assets.

Cash / Assets
4.91%
Loans / Deposits
34.92%
Brokered %
8.04%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 12.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
12.18%
No watch items at this period.

Capitalization

StrongQoQ +3
96
Sub-score

Capital position is strong: Tier 1 RBC 20.77%, CET1 20.77%, leverage 9.16%.

Tier 1 RBC
20.77%
CET1
20.77%
Leverage
9.16%
No watch items at this period.

Asset Quality

StableQoQ -3
61
Sub-score

Asset quality is stable: Adjusted NPL 4.06%, Texas Ratio 12.8%, NCO YTD 0.05%.

Adjusted NPL
4.06%
Govt-guarantees stripped
Texas Ratio
12.8%
NCO YTD
0.05%
30-89 PD
1.72%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.06% (govt-guarantees stripped).

Reserves

RiskQoQ 0
25
Sub-score

Reserves are weak: ALLL 1.24% of loans, coverage 31.0%, true coverage 31.0%.

ALLL / Loans
1.24%
Coverage
31.0%
True Loss Coverage
31.0%

Watch Items

  • watchALLL / NPL below 50% — Coverage 31.0% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 31.0% (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