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Logan County Bank

IDRSSD: 932642
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
89
/ 100
StrongAs of 2024-Q3QoQ +1

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 #932642 2024-Q3 Vital Signs Score: 89/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.80% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2024:
↑ +1 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +5
  • Reserves
    ↓ -3

The five pillars

Liquidity

StableQoQ -1
78
Sub-score

Liquidity is stable: brokered 5.4%, loans/deposits 68.6%, cash 1.8% of assets.

Cash / Assets
1.80%
Loans / Deposits
68.58%
Brokered %
5.44%

Watch Items

  • watchCash / Assets below 3% — Cash 1.80% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.72%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 29.71%, CET1 29.71%, leverage 17.34%.

Tier 1 RBC
29.71%
CET1
29.71%
Leverage
17.34%
No watch items at this period.

Asset Quality

StrongQoQ +5
90
Sub-score

Asset quality is strong: Adjusted NPL 0.79%, Texas Ratio 2.6%, NCO YTD 0.06%.

Adjusted NPL
0.79%
Govt-guarantees stripped
Texas Ratio
2.6%
NCO YTD
0.06%
30-89 PD
1.08%
Band 0.3% / 3.0%
90+ PD
0.39%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -3
73
Sub-score

Reserves are stable: ALLL 1.09% of loans, coverage 139.6%, true coverage 116.6%.

ALLL / Loans
1.09%
Coverage
139.6%
True Loss Coverage
116.6%
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 02:26:27 UTC