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Lowry State Bank

IDRSSD: 457
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
80
/ 100
StableAs of 2025-Q1QoQ +10

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 #457 2025-Q1 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 102.7% (threshold 100%).

What changed this quarter

Compared to Q4 2024:
↑ +10 ptscomposite
  • Liquidity
    ↑ +16
  • Securities
    — —
  • Capitalization
    ↑ +17
  • Asset Quality
    ↑ 0
  • Reserves
    ↑ +16

The five pillars

Liquidity

StrongQoQ +16
84
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 102.7%, cash 11.0% of assets.

Cash / Assets
11.04%
Loans / Deposits
102.68%
Brokered %
0.00%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 102.7% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.57%
No watch items at this period.

Capitalization

StableQoQ +17
76
Sub-score

Capital position is stable: Tier 1 RBC 12.06%, CET1 12.06%, leverage 9.07%.

Tier 1 RBC
12.06%
CET1
12.06%
Leverage
9.07%
No watch items at this period.

Asset Quality

StableQoQ 0
76
Sub-score

Asset quality is stable: Adjusted NPL 1.40%, Texas Ratio 11.8%, NCO YTD 0.00%.

Adjusted NPL
1.40%
Govt-guarantees stripped
Texas Ratio
11.8%
NCO YTD
0.00%
30-89 PD
2.14%
Band 0.3% / 3.0%
90+ PD
0.60%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +16
67
Sub-score

Reserves are stable: ALLL 1.31% of loans, coverage 94.9%, true coverage 93.3%.

ALLL / Loans
1.31%
Coverage
94.9%
True Loss Coverage
93.3%
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