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Liberty National Bank

IDRSSD: 68756
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
87
/ 100
StrongAs of 2023-Q4QoQ +3

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 #68756 2023-Q4 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

  1. info
    Brokered deposits above 30%
    Liquidity — Brokered 34.6% of deposits (threshold 30%).

What changed this quarter

Compared to Q3 2023:
↑ +3 ptscomposite
  • Liquidity
    ↑ +10
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    — —
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +10
79
Sub-score

Liquidity is stable: brokered 34.6%, loans/deposits 71.3%, cash 13.6% of assets.

Cash / Assets
13.57%
Loans / Deposits
71.33%
Brokered %
34.58%

Watch Items

  • infoBrokered deposits above 30% — Brokered 34.6% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.19%
No watch items at this period.

Capitalization

StableQoQ +4
74
Sub-score

Capital position is stable: Tier 1 RBC 11.50%, CET1 11.50%, leverage 8.82%.

Tier 1 RBC
11.50%
CET1
11.50%
Leverage
8.82%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.23%, Texas Ratio 1.7%, NCO YTD -0.01%.

Adjusted NPL
0.23%
Govt-guarantees stripped
Texas Ratio
1.7%
NCO YTD
-0.01%
30-89 PD
0.05%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
83
Sub-score

Reserves are strong: ALLL 0.99% of loans, coverage 429.4%, true coverage 429.4%.

ALLL / Loans
0.99%
Coverage
429.4%
True Loss Coverage
429.4%
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: 2026-05-14 10:37:06 UTC