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Loyal Trust Bank

IDRSSD: 5427684
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
86
/ 100
StrongAs of 2025-Q3QoQ -6

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 #5427684 2025-Q3 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 48.3% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q2 2025:
↓ -6 ptscomposite
  • Liquidity
    ↑ +5
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -41

The five pillars

Liquidity

StrongQoQ +5
80
Sub-score

Liquidity is strong: brokered 16.8%, loans/deposits 86.7%, cash 21.0% of assets.

Cash / Assets
21.02%
Loans / Deposits
86.69%
Brokered %
16.80%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.30%, CET1 16.30%, leverage 11.19%.

Tier 1 RBC
16.30%
CET1
16.30%
Leverage
11.19%
No watch items at this period.

Asset Quality

StrongQoQ -3
92
Sub-score

Asset quality is strong: Adjusted NPL 1.06%, Texas Ratio 6.2%, NCO YTD 0.00%.

Adjusted NPL
1.06%
Govt-guarantees stripped
Texas Ratio
6.2%
NCO YTD
0.00%
30-89 PD
0.72%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -41
45
Sub-score

Reserves are deteriorating: ALLL 1.17% of loans, coverage 111.7%, true coverage 48.3%.

ALLL / Loans
1.17%
Coverage
111.7%
True Loss Coverage
48.3%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 48.3% (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: 2026-05-14 11:12:44 UTC