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Lineage Bank

IDRSSD: 321152
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
83
/ 100
StrongAs of 2025-Q1QoQ +7

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 #321152 2025-Q1 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. watch
    Brokered deposits above 30%
    Liquidity — Brokered 39.9% of deposits (threshold 30%).
  2. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.55% of loans.
  3. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.10% of loans.

What changed this quarter

Compared to Q4 2024:
↑ +7 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    ↓ -18
  • Asset Quality
    ↑ +12
  • Reserves
    ↑ +56

The five pillars

Liquidity

Strong
80
Sub-score

Liquidity is strong: brokered 39.9%, loans/deposits 62.5%, cash 22.2% of assets.

Cash / Assets
22.21%
Loans / Deposits
62.53%
Brokered %
39.91%

Watch Items

  • watchBrokered deposits above 30% — Brokered 39.9% of deposits (threshold 30%).

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

StableQoQ -18
74
Sub-score

Capital position is stable: Tier 1 RBC 12.70%, CET1 12.70%, leverage 7.56%.

Tier 1 RBC
12.70%
CET1
12.70%
Leverage
7.56%
No watch items at this period.

Asset Quality

StrongQoQ +12
91
Sub-score

Asset quality is strong: Adjusted NPL 0.01%, Texas Ratio 0.1%, NCO YTD 1.10%.

Adjusted NPL
0.01%
Govt-guarantees stripped
Texas Ratio
0.1%
NCO YTD
1.10%
30-89 PD
0.01%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.10% of loans.

Reserves

StableQoQ +56
68
Sub-score

Reserves are stable: ALLL 0.55% of loans, coverage 4521.4%, true coverage 4521.4%.

ALLL / Loans
0.55%
Coverage
4521.4%
True Loss Coverage
4521.4%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.55% of loans.

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 13:17:15 UTC