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Lindell Bank And Trust Company

IDRSSD: 185859
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
74
/ 100
StableAs of 2025-Q1QoQ 0

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

Quarterly Headline

2025-Q1

Bank #185859 2025-Q1 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Reserves (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).

What changed this quarter

Compared to Q4 2024:
↓ 0 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    ↑ +5
  • Capitalization
    — —
  • Asset Quality
    ↓ -4
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ 0
79
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 70.7%, cash 5.6% of assets.

Cash / Assets
5.64%
Loans / Deposits
70.65%
Brokered %
0.00%
No watch items at this period.

Securities

WatchQoQ +5
57
Sub-score

Securities profile is deteriorating: securities 32.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
32.84%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 15.68%.

Tier 1 RBC
—
CET1
0.00%
Leverage
15.68%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StrongQoQ -4
90
Sub-score

Asset quality is strong: Adjusted NPL 0.45%, Texas Ratio 1.4%, NCO YTD 0.37%.

Adjusted NPL
0.45%
Govt-guarantees stripped
Texas Ratio
1.4%
NCO YTD
0.37%
30-89 PD
1.28%
Band 0.3% / 3.0%
90+ PD
0.23%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 3.00% of loans, coverage 695.2%, true coverage 520.1%.

ALLL / Loans
3.00%
Coverage
695.2%
True Loss Coverage
520.1%
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 07:42:55 UTC