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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-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
74
/ 100
StableAs of 2024-Q2QoQ -2

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

Quarterly Headline

2024-Q2

Bank #457 2024-Q2 Vital Signs Score: 74/100 — 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. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 118.5% (threshold 100%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.19% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2024:
↓ -2 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    ↓ -8
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +5

The five pillars

Liquidity

StableQoQ -5
63
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 118.5%, cash 2.2% of assets.

Cash / Assets
2.19%
Loans / Deposits
118.51%
Brokered %
0.00%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 118.5% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.19% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.17%
No watch items at this period.

Capitalization

WatchQoQ -8
50
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.86%, CET1 9.86%, leverage 8.46%.

Tier 1 RBC
9.86%
CET1
9.86%
Leverage
8.46%
No watch items at this period.

Asset Quality

StrongQoQ +1
92
Sub-score

Asset quality is strong: Adjusted NPL 0.83%, Texas Ratio 8.4%, NCO YTD -0.01%.

Adjusted NPL
0.83%
Govt-guarantees stripped
Texas Ratio
8.4%
NCO YTD
-0.01%
30-89 PD
1.13%
Band 0.3% / 3.0%
90+ PD
0.08%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +5
73
Sub-score

Reserves are stable: ALLL 1.11% of loans, coverage 135.6%, true coverage 130.1%.

ALLL / Loans
1.11%
Coverage
135.6%
True Loss Coverage
130.1%
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: 2026-05-12 00:59:26 UTC