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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-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
67
/ 100
StableAs of 2024-Q4QoQ -13

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

Quarterly Headline

2024-Q4

Bank #885430 2024-Q4 Vital Signs Score: 67/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 35.2% (Adjusted NPL + Performing Mods denominator).
  2. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.34% (govt-guarantees stripped).
  3. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.89%.

What changed this quarter

Compared to Q3 2024:
↓ -13 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -32
  • Reserves
    ↓ -36

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 24.7%, cash 11.9% of assets.

Cash / Assets
11.89%
Loans / Deposits
24.75%
Brokered %
0.00%
No watch items at this period.

Securities

Risk
0
Sub-score

Securities profile is weak: securities 53.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
53.48%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 27.93%, CET1 27.93%, leverage 11.26%.

Tier 1 RBC
27.93%
CET1
27.93%
Leverage
11.26%
No watch items at this period.

Asset Quality

WatchQoQ -32
59
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.34%, Texas Ratio 6.4%, NCO YTD -0.10%.

Adjusted NPL
3.34%
Govt-guarantees stripped
Texas Ratio
6.4%
NCO YTD
-0.10%
30-89 PD
0.53%
Band 0.3% / 3.0%
90+ PD
1.89%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.34% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.89%.

Reserves

WatchQoQ -36
47
Sub-score

Reserves are deteriorating: ALLL 3.23% of loans, coverage 99.9%, true coverage 35.2%.

ALLL / Loans
3.23%
Coverage
99.9%
True Loss Coverage
35.2%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 35.2% (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: 2026-05-14 16:42:44 UTC