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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-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
70
/ 100
StableAs of 2025-Q3QoQ +4

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

Quarterly Headline

2025-Q3

Bank #457 2025-Q3 Vital Signs Score: 70/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 37.4% (Adjusted NPL + Performing Mods denominator).
  2. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 111.3% (threshold 100%).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.57% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↑ +4 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↑ +11
  • Reserves
    ↑ +5

The five pillars

Liquidity

StableQoQ -2
64
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 111.3%, cash 2.7% of assets.

Cash / Assets
2.66%
Loans / Deposits
111.34%
Brokered %
0.00%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 111.3% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.66% of assets (threshold 3%).

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 +2
71
Sub-score

Capital position is stable: Tier 1 RBC 11.41%, CET1 11.41%, leverage 9.44%.

Tier 1 RBC
11.41%
CET1
11.41%
Leverage
9.44%
No watch items at this period.

Asset Quality

StableQoQ +11
76
Sub-score

Asset quality is stable: Adjusted NPL 2.57%, Texas Ratio 21.9%, NCO YTD -0.04%.

Adjusted NPL
2.57%
Govt-guarantees stripped
Texas Ratio
21.9%
NCO YTD
-0.04%
30-89 PD
0.88%
Band 0.3% / 3.0%
90+ PD
0.14%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.57% (govt-guarantees stripped).

Reserves

RiskQoQ +5
38
Sub-score

Reserves are weak: ALLL 1.47% of loans, coverage 58.0%, true coverage 37.4%.

ALLL / Loans
1.47%
Coverage
58.0%
True Loss Coverage
37.4%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 37.4% (Adjusted NPL + Performing Mods denominator).

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