Visbanking Logo
Skip to main content

Luminate Bank

IDRSSD: 310754
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
73
/ 100
StableAs of 2025-Q1QoQ 0

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 #310754 2025-Q1 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 115.0% (threshold 100%).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 29.8% (regulatory soft-warning level 50%).
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 29.8% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q4 2024:
↓ 0 ptscomposite
  • Liquidity
    ↓ -7
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↑ +6
  • Reserves
    ↓ -7

The five pillars

Liquidity

StableQoQ -7
70
Sub-score

Liquidity is stable: brokered 10.3%, loans/deposits 115.0%, cash 8.7% of assets.

Cash / Assets
8.69%
Loans / Deposits
115.01%
Brokered %
10.31%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 115.0% (threshold 100%).

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

StrongQoQ +2
100
Sub-score

Capital position is strong: Tier 1 RBC 15.75%, CET1 15.75%, leverage 10.68%.

Tier 1 RBC
15.75%
CET1
15.75%
Leverage
10.68%
No watch items at this period.

Asset Quality

StableQoQ +6
65
Sub-score

Asset quality is stable: Adjusted NPL 3.55%, Texas Ratio 25.3%, NCO YTD 0.84%.

Adjusted NPL
3.55%
Govt-guarantees stripped
Texas Ratio
25.3%
NCO YTD
0.84%
30-89 PD
0.19%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.55% (govt-guarantees stripped).

Reserves

RiskQoQ -7
18
Sub-score

Reserves are weak: ALLL 1.05% of loans, coverage 29.8%, true coverage 29.8%.

ALLL / Loans
1.05%
Coverage
29.8%
True Loss Coverage
29.8%

Watch Items

  • watchALLL / NPL below 50% — Coverage 29.8% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 29.8% (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: 2026-05-15 02:49:06 UTC