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Leighton State Bank

IDRSSD: 936640
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2023-Q4QoQ -11

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

Quarterly Headline

2023-Q4

Bank #936640 2023-Q4 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q3 2023:
↓ -11 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↓ -22
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -2
78
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 88.0%, cash 4.0% of assets.

Cash / Assets
4.00%
Loans / Deposits
88.01%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.55%
No watch items at this period.

Capitalization

StrongQoQ -3
97
Sub-score

Capital position is strong: Tier 1 RBC 13.40%, CET1 13.40%, leverage 10.33%.

Tier 1 RBC
13.40%
CET1
13.40%
Leverage
10.33%
No watch items at this period.

Asset Quality

StableQoQ -22
78
Sub-score

Asset quality is stable: Adjusted NPL 1.59%, Texas Ratio 10.7%, NCO YTD 0.76%.

Adjusted NPL
1.59%
Govt-guarantees stripped
Texas Ratio
10.7%
NCO YTD
0.76%
30-89 PD
0.53%
Band 0.3% / 3.0%
90+ PD
0.64%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Stable
65
Sub-score

Reserves are stable: ALLL 1.38% of loans, coverage 88.0%, true coverage 88.0%.

ALLL / Loans
1.38%
Coverage
88.0%
True Loss Coverage
88.0%
No watch items at this period.

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: 2026-05-12 00:48:55 UTC