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South Louisiana Bank

IDRSSD: 616036
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StrongAs of 2024-Q2QoQ +3

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

Quarterly Headline

2024-Q2

Bank #616036 2024-Q2 Vital Signs Score: 80/100 — overall strong. Strongest pillar: Reserves (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).

What changed this quarter

Compared to Q1 2024:
↑ +3 ptscomposite
  • Liquidity
    ↑ +9
  • Securities
    ↑ +7
  • Capitalization
    — —
  • Asset Quality
    ↑ +1
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +9
98
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 53.0%, cash 9.1% of assets.

Cash / Assets
9.09%
Loans / Deposits
52.98%
Brokered %
0.00%
No watch items at this period.

Securities

WatchQoQ +7
56
Sub-score

Securities profile is deteriorating: securities 33.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
33.11%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 13.06%.

Tier 1 RBC
—
CET1
0.00%
Leverage
13.06%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StrongQoQ +1
99
Sub-score

Asset quality is strong: Adjusted NPL 0.56%, Texas Ratio 1.8%, NCO YTD -0.17%.

Adjusted NPL
0.56%
Govt-guarantees stripped
Texas Ratio
1.8%
NCO YTD
-0.17%
30-89 PD
0.24%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 4.03% of loans, coverage 747.3%, true coverage 574.4%.

ALLL / Loans
4.03%
Coverage
747.3%
True Loss Coverage
574.4%
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: 2026-05-13 01:31:14 UTC