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 — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2025-Q3QoQ 0

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

Quarterly Headline

2025-Q3

Bank #885430 2025-Q3 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Capitalization (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 38.7% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q2 2025:
↑ 0 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ 0
  • Reserves
    ↑ +1

The five pillars

Liquidity

StrongQoQ 0
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 30.0%, cash 10.0% of assets.

Cash / Assets
10.00%
Loans / Deposits
30.01%
Brokered %
0.00%
No watch items at this period.

Securities

Risk
0
Sub-score

Securities profile is weak: securities 51.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
51.23%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 26.39%, CET1 26.39%, leverage 11.52%.

Tier 1 RBC
26.39%
CET1
26.39%
Leverage
11.52%
No watch items at this period.

Asset Quality

StrongQoQ 0
93
Sub-score

Asset quality is strong: Adjusted NPL 1.16%, Texas Ratio 2.6%, NCO YTD -0.23%.

Adjusted NPL
1.16%
Govt-guarantees stripped
Texas Ratio
2.6%
NCO YTD
-0.23%
30-89 PD
0.05%
Band 0.3% / 3.0%
90+ PD
0.19%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +1
71
Sub-score

Reserves are stable: ALLL 2.70% of loans, coverage 240.0%, true coverage 38.7%.

ALLL / Loans
2.70%
Coverage
240.0%
True Loss Coverage
38.7%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 38.7% (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