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Ledyard National Bank

IDRSSD: 1863097
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
85
/ 100
StrongAs of 2024-Q4QoQ -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-Q4

Bank #1863097 2024-Q4 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.65% of loans.

What changed this quarter

Compared to Q3 2024:
↓ -4 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↓ -15
  • Asset Quality
    — —
  • Reserves
    ↓ -1

The five pillars

Liquidity

StrongQoQ 0
83
Sub-score

Liquidity is strong: brokered 7.0%, loans/deposits 71.0%, cash 4.6% of assets.

Cash / Assets
4.57%
Loans / Deposits
70.99%
Brokered %
7.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 18.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
18.70%
No watch items at this period.

Capitalization

StableQoQ -15
72
Sub-score

Capital position is stable: Tier 1 RBC 12.08%, CET1 12.08%, leverage 8.51%.

Tier 1 RBC
12.08%
CET1
12.08%
Leverage
8.51%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.22%, Texas Ratio 1.5%, NCO YTD -0.03%.

Adjusted NPL
0.22%
Govt-guarantees stripped
Texas Ratio
1.5%
NCO YTD
-0.03%
30-89 PD
0.08%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -1
72
Sub-score

Reserves are stable: ALLL 0.65% of loans, coverage 294.4%, true coverage 294.4%.

ALLL / Loans
0.65%
Coverage
294.4%
True Loss Coverage
294.4%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.65% 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: 2026-05-13 11:27:04 UTC