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Leighton State Bank

IDRSSD: 936640
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
82
/ 100
StrongAs of 2024-Q4QoQ -2

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 #936640 2024-Q4 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.15% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2024:
↓ -2 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -9

The five pillars

Liquidity

StableQoQ +3
75
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 85.6%, cash 2.2% of assets.

Cash / Assets
2.15%
Loans / Deposits
85.62%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.15% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.49%
No watch items at this period.

Capitalization

StrongQoQ -3
95
Sub-score

Capital position is strong: Tier 1 RBC 13.82%, CET1 13.82%, leverage 10.53%.

Tier 1 RBC
13.82%
CET1
13.82%
Leverage
10.53%
No watch items at this period.

Asset Quality

StrongQoQ -1
90
Sub-score

Asset quality is strong: Adjusted NPL 1.44%, Texas Ratio 9.6%, NCO YTD 0.10%.

Adjusted NPL
1.44%
Govt-guarantees stripped
Texas Ratio
9.6%
NCO YTD
0.10%
30-89 PD
0.42%
Band 0.3% / 3.0%
90+ PD
0.17%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -9
36
Sub-score

Reserves are weak: ALLL 0.95% of loans, coverage 66.4%, true coverage 66.4%.

ALLL / Loans
0.95%
Coverage
66.4%
True Loss Coverage
66.4%
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