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St Landry Bank And Trust Company

IDRSSD: 885430
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Vital Signs Report

5-pillar quarterly review (Liquidity, Securities, Capitalization, Asset Quality, Reserves) for 2026-Q1. Composite Vital Signs Score and ranked Watch Items.

Synthesis

Vital Signs Score
72
/ 100
StableAs of 2026-Q1QoQ +6

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

Quarterly Headline

2026-Q1

Bank #885430 2026-Q1 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.48% (govt-guarantees stripped).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 42.4% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q4 2025:
↑ +6 ptscomposite
  • Liquidity
    — —
  • Securities
    ↑ +4
  • Capitalization
    — —
  • Asset Quality
    ↑ +20
  • Reserves
    ↓ 0

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 29.0%, cash 12.1% of assets.

Cash / Assets
12.08%
Loans / Deposits
29.03%
Brokered %
0.00%
No watch items at this period.

Securities

RiskQoQ +4
6
Sub-score

Securities profile is weak: securities 48.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
48.11%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 26.08%, CET1 26.08%, leverage 11.07%.

Tier 1 RBC
26.08%
CET1
26.08%
Leverage
11.07%
No watch items at this period.

Asset Quality

StableQoQ +20
75
Sub-score

Asset quality is stable: Adjusted NPL 3.48%, Texas Ratio 7.9%, NCO YTD -0.06%.

Adjusted NPL
3.48%
Govt-guarantees stripped
Texas Ratio
7.9%
NCO YTD
-0.06%
30-89 PD
0.28%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.48% (govt-guarantees stripped).

Reserves

WatchQoQ 0
46
Sub-score

Reserves are deteriorating: ALLL 2.73% of loans, coverage 80.6%, true coverage 42.4%.

ALLL / Loans
2.73%
Coverage
80.6%
True Loss Coverage
42.4%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 42.4% (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%. Pillars with no available metrics are dropped from the denominator (renormalised). See functions/src/vitalSignsScore.ts for exact formula and sub-score band anchors.
Pillar status
Strong ≥ 80, Stable ≥ 60, Watch ≥ 40, Risk < 40. Bands are scoring buckets, NOT regulatory thresholds.
Watch Items
Per-pillar rule trips with severity (Risk / Watch / Info) assigned by how far the metric breaches its threshold. Top-3 panel ranks across pillars: severity dominates, magnitude breaks ties.
Adjusted NPL
Noncurrent loans minus government-guaranteed nonaccrual (sourced from FFIEC Schedule RC-N Memorandum item 2). Strips out exposure with implicit US government backing, the same formula used by the Loan Restructuring Watch builder.
True Loss Coverage Ratio
ALLL ÷ (Adjusted NPL + Performing Mods). Surfaces under-reservation that conventional ALLL/NPL hides when banks aggressively modify rather than charge off.
Past-due 30-89 / 90+ PD
Bank-wide totals from FFIEC Schedule RC-N (30-89 days past due and 90+ days past due still accruing) divided by total loans and leases (net of unearned income). Score bands: 30-89 PD Good 0.3% / Bad 3.0%; 90+ PD Good 0.1% / Bad 2.0%.
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, Watch Item rules, and per-quarter URL surface are Visbanking's own work.

Generated: 2026-05-14 16:42:44 UTC