Visbanking Logo
Skip to main content

St Landry Bank And Trust Company

IDRSSD: 885430
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
77
/ 100
StableAs of 2024-Q2QoQ -4

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 #885430 2024-Q2 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.56%.

What changed this quarter

Compared to Q1 2024:
↓ -4 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -10
  • Reserves
    ↓ -10

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 23.0%, cash 14.6% of assets.

Cash / Assets
14.64%
Loans / Deposits
22.99%
Brokered %
0.00%
No watch items at this period.

Securities

Risk
0
Sub-score

Securities profile is weak: securities 52.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
52.16%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 26.92%, CET1 26.92%, leverage 10.71%.

Tier 1 RBC
26.92%
CET1
26.92%
Leverage
10.71%
No watch items at this period.

Asset Quality

StableQoQ -10
77
Sub-score

Asset quality is stable: Adjusted NPL 1.64%, Texas Ratio 3.0%, NCO YTD -0.25%.

Adjusted NPL
1.64%
Govt-guarantees stripped
Texas Ratio
3.0%
NCO YTD
-0.25%
30-89 PD
0.47%
Band 0.3% / 3.0%
90+ PD
1.56%
Band 0.1% / 2.0%

Watch Items

  • watch90+ days past due elevated — 90+ PD 1.56%.

Reserves

StrongQoQ -10
83
Sub-score

Reserves are strong: ALLL 5.02% of loans, coverage 322.6%, true coverage 64.1%.

ALLL / Loans
5.02%
Coverage
322.6%
True Loss Coverage
64.1%
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