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Lowry State Bank

IDRSSD: 457
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2024-Q1QoQ +3

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

Quarterly Headline

2024-Q1

Bank #457 2024-Q1 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 110.5% (threshold 100%).

What changed this quarter

Compared to Q4 2023:
↑ +3 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↑ +4
  • Reserves
    ↑ +12

The five pillars

Liquidity

StableQoQ 0
68
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 110.5%, cash 4.6% of assets.

Cash / Assets
4.59%
Loans / Deposits
110.52%
Brokered %
0.00%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 110.5% (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
1.82%
No watch items at this period.

Capitalization

WatchQoQ +1
58
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.14%, CET1 10.14%, leverage 8.23%.

Tier 1 RBC
10.14%
CET1
10.14%
Leverage
8.23%
No watch items at this period.

Asset Quality

StrongQoQ +4
90
Sub-score

Asset quality is strong: Adjusted NPL 1.01%, Texas Ratio 10.0%, NCO YTD -0.01%.

Adjusted NPL
1.01%
Govt-guarantees stripped
Texas Ratio
10.0%
NCO YTD
-0.01%
30-89 PD
1.11%
Band 0.3% / 3.0%
90+ PD
0.08%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +12
68
Sub-score

Reserves are stable: ALLL 1.12% of loans, coverage 112.1%, true coverage 107.9%.

ALLL / Loans
1.12%
Coverage
112.1%
True Loss Coverage
107.9%
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