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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 — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
66
/ 100
StableAs of 2025-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

2025-Q4

Bank #885430 2025-Q4 Vital Signs Score: 66/100 — 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. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 2.53%.
  2. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.54% (govt-guarantees stripped).
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 42.4% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2025:
↓ -13 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    ↑ +2
  • Capitalization
    — —
  • Asset Quality
    ↓ -38
  • Reserves
    ↓ -25

The five pillars

Liquidity

StrongQoQ 0
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 28.0%, cash 13.9% of assets.

Cash / Assets
13.94%
Loans / Deposits
27.98%
Brokered %
0.00%
No watch items at this period.

Securities

RiskQoQ +2
2
Sub-score

Securities profile is weak: securities 49.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
49.29%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 27.09%, CET1 27.09%, leverage 11.36%.

Tier 1 RBC
27.09%
CET1
27.09%
Leverage
11.36%
No watch items at this period.

Asset Quality

WatchQoQ -38
55
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.54%, Texas Ratio 7.7%, NCO YTD 0.01%.

Adjusted NPL
3.54%
Govt-guarantees stripped
Texas Ratio
7.7%
NCO YTD
0.01%
30-89 PD
0.73%
Band 0.3% / 3.0%
90+ PD
2.53%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.54% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 2.53%.

Reserves

WatchQoQ -25
46
Sub-score

Reserves are deteriorating: ALLL 2.79% of loans, coverage 81.0%, true coverage 42.4%.

ALLL / Loans
2.79%
Coverage
81.0%
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%. 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