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Liberty Savings Bank Fsb

IDRSSD: 839572
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2024-Q3QoQ +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-Q3

Bank #839572 2024-Q3 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.86% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2024:
↑ +2 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ +4
  • Reserves
    ↑ +8

The five pillars

Liquidity

WatchQoQ 0
60
Sub-score

Liquidity is deteriorating: brokered 16.1%, loans/deposits 96.9%, cash 2.9% of assets.

Cash / Assets
2.86%
Loans / Deposits
96.85%
Brokered %
16.10%

Watch Items

  • infoCash / Assets below 3% — Cash 2.86% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StrongQoQ -1
94
Sub-score

Capital position is strong: Tier 1 RBC 16.28%, CET1 16.28%, leverage 8.55%.

Tier 1 RBC
16.28%
CET1
16.28%
Leverage
8.55%
No watch items at this period.

Asset Quality

StrongQoQ +4
93
Sub-score

Asset quality is strong: Adjusted NPL 1.27%, Texas Ratio 9.8%, NCO YTD 0.05%.

Adjusted NPL
1.27%
Govt-guarantees stripped
Texas Ratio
9.8%
NCO YTD
0.05%
30-89 PD
0.24%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +8
30
Sub-score

Reserves are weak: ALLL 0.87% of loans, coverage 68.7%, true coverage 58.7%.

ALLL / Loans
0.87%
Coverage
68.7%
True Loss Coverage
58.7%
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: 2026-05-13 10:13:42 UTC