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Lowry State Bank

IDRSSD: 457
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
73
/ 100
StableAs of 2023-Q4QoQ -8

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 #457 2023-Q4 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 112.6% (threshold 100%).

What changed this quarter

Compared to Q3 2023:
↓ -8 ptscomposite
  • Liquidity
    ↓ -10
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -8
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -10
68
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 112.6%, cash 4.7% of assets.

Cash / Assets
4.73%
Loans / Deposits
112.62%
Brokered %
0.00%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 112.6% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.84%
No watch items at this period.

Capitalization

WatchQoQ -2
57
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.90%, CET1 9.90%, leverage 8.41%.

Tier 1 RBC
9.90%
CET1
9.90%
Leverage
8.41%
No watch items at this period.

Asset Quality

StrongQoQ -8
87
Sub-score

Asset quality is strong: Adjusted NPL 1.21%, Texas Ratio 11.9%, NCO YTD 0.33%.

Adjusted NPL
1.21%
Govt-guarantees stripped
Texas Ratio
11.9%
NCO YTD
0.33%
30-89 PD
1.04%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Watch
56
Sub-score

Reserves are deteriorating: ALLL 1.08% of loans, coverage 90.7%, true coverage 87.5%.

ALLL / Loans
1.08%
Coverage
90.7%
True Loss Coverage
87.5%
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: 2026-05-12 00:59:26 UTC