Visbanking Logo
Skip to main content

Leader Bank National Association

IDRSSD: 3109146
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 1 alert active.

Summary

RSSD 3109146 held $5.1B in total assets as of 2026-03-31 (+0.9% quarter-over-quarter). Total loans stood at $4.1B (+0.8% QoQ) and total deposits at $4.0B (+3.3% QoQ).

Overall position is adequate — the composite Health Score is 54/100 (Adequate). Tier 1 / RWA stands at 20.32%, in the top quartile of peers. Asset quality (NPL ratio) sits in the top quartile of peers.

1 Quarterly Anomaly Alert fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
54/100
Adequate
Active Alerts
1
0 critical, 1 warning
Total Assets
$5.1B
+0.9% QoQ
Total Loans
$4.1B
+0.8% QoQ
Total Deposits
$4.0B
+3.3% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
20.32%
94th pctile · n=237↑ better
-52 bp QoQ
CET1 / RWA
20.32%
95th pctile · n=275↑ better
-52 bp QoQ
Total RBC / RWA
21.57%
94th pctile · n=237↑ better
-53 bp QoQ
Tier 1 Leverage Ratio
20.32%
95th pctile · n=275↑ better
-52 bp QoQ

Liquidity

Cash / Assets
10.07%
79th pctile · n=275↑ better
+28 bp QoQ
Loans / Deposits
102.29%
91th pctile · n=273↓ better
-253 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
0.03%
4th pctile · n=275↓ better
-0 bp QoQ
NPA / Assets
0.03%
4th pctile · n=275↓ better
-0 bp QoQ
Texas Ratio (regulatory)
0.21%
4th pctile · n=275↓ better
-0 bp QoQ
Net Charge-Offs / Avg Loans
0.00%
18th pctile · n=275↓ better
ALLL Coverage of NPL
3169.33%
99th pctile · n=275↑ better
+522 bp QoQ

Earnings

Net Interest Margin
2.35%
6th pctile · n=275↑ better
-3 bp QoQ
Return on Assets
0.70%
13th pctile · n=275↑ better
-7 bp QoQ
Return on Equity
6.53%
13th pctile · n=275↑ better
-75 bp QoQ
Efficiency Ratio
67.93%
79th pctile · n=275↓ better
+330 bp QoQ
Pre-tax NOI / Avg Assets
0.97%
15th pctile · n=275↑ better
-10 bp QoQ

Funding

Brokered / Deposits
6.56%
69th pctile · n=273↓ better
-430 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
9.40%
89th pctile · n=275↓ better
-208 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
5.64%
17th pctile · n=275↑ better
-37 bp QoQ
AFS Securities / Assets
5.12%
21th pctile · n=275↑ better
-7 bp QoQ
HTM Securities / Assets
0.52%
59th pctile · n=275↑ better
-30 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-14 02:44:02 UTC