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St Landry Bank And Trust Company

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

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2024-Q1QoQ -1

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

Quarterly Headline

2024-Q1

Bank #885430 2024-Q1 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q4 2023:
↓ -1 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -7
  • Reserves
    ↑ +4

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 21.0%, cash 15.6% of assets.

Cash / Assets
15.64%
Loans / Deposits
20.95%
Brokered %
0.00%
No watch items at this period.

Securities

Risk
0
Sub-score

Securities profile is weak: securities 52.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
52.52%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 31.15%, CET1 31.15%, leverage 10.75%.

Tier 1 RBC
31.15%
CET1
31.15%
Leverage
10.75%
No watch items at this period.

Asset Quality

StrongQoQ -7
87
Sub-score

Asset quality is strong: Adjusted NPL 0.44%, Texas Ratio 0.7%, NCO YTD -0.18%.

Adjusted NPL
0.44%
Govt-guarantees stripped
Texas Ratio
0.7%
NCO YTD
-0.18%
30-89 PD
2.08%
Band 0.3% / 3.0%
90+ PD
0.35%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +4
92
Sub-score

Reserves are strong: ALLL 5.45% of loans, coverage 1308.0%, true coverage 84.1%.

ALLL / Loans
5.45%
Coverage
1308.0%
True Loss Coverage
84.1%
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: 2026-05-14 16:42:44 UTC