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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
68
/ 100
StableAs of 2025-Q4QoQ -2

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

Quarterly Headline

2025-Q4

Bank #457 2025-Q4 Vital Signs Score: 68/100 — 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 34.9% (Adjusted NPL + Performing Mods denominator).
  2. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 109.7% (threshold 100%).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.45% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↓ -2 ptscomposite
  • Liquidity
    ↑ +9
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -13
  • Reserves
    ↓ -7

The five pillars

Liquidity

StableQoQ +9
73
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 109.7%, cash 6.7% of assets.

Cash / Assets
6.69%
Loans / Deposits
109.71%
Brokered %
0.00%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 109.7% (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
0.56%
No watch items at this period.

Capitalization

StableQoQ +1
72
Sub-score

Capital position is stable: Tier 1 RBC 11.60%, CET1 11.60%, leverage 9.30%.

Tier 1 RBC
11.60%
CET1
11.60%
Leverage
9.30%
No watch items at this period.

Asset Quality

StableQoQ -13
63
Sub-score

Asset quality is stable: Adjusted NPL 2.45%, Texas Ratio 21.0%, NCO YTD 0.85%.

Adjusted NPL
2.45%
Govt-guarantees stripped
Texas Ratio
21.0%
NCO YTD
0.85%
30-89 PD
2.14%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.45% (govt-guarantees stripped).

Reserves

RiskQoQ -7
31
Sub-score

Reserves are weak: ALLL 1.33% of loans, coverage 55.0%, true coverage 34.9%.

ALLL / Loans
1.33%
Coverage
55.0%
True Loss Coverage
34.9%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 34.9% (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