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St Louis Bank

IDRSSD: 3354599
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Vital Signs Report

5-pillar quarterly review (Liquidity, Securities, Capitalization, Asset Quality, Reserves) for 2026-Q1. Composite Vital Signs Score and ranked Watch Items.

Synthesis

Vital Signs Score
67
/ 100
StableAs of 2026-Q1QoQ +3

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

Quarterly Headline

2026-Q1

Bank #3354599 2026-Q1 Vital Signs Score: 67/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Brokered deposits above 30%
    Liquidity — Brokered 40.8% of deposits (threshold 30%).
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.08% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2025:
↑ +3 ptscomposite
  • Liquidity
    ↑ +15
  • Securities
    — —
  • Capitalization
    ↓ -7
  • Asset Quality
    ↑ +8
  • Reserves
    ↓ -2

The five pillars

Liquidity

StableQoQ +15
63
Sub-score

Liquidity is stable: brokered 40.8%, loans/deposits 83.4%, cash 5.5% of assets.

Cash / Assets
5.46%
Loans / Deposits
83.39%
Brokered %
40.85%

Watch Items

  • watchBrokered deposits above 30% — Brokered 40.8% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

WatchQoQ -7
52
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.97%, CET1 9.97%, leverage 8.58%.

Tier 1 RBC
9.97%
CET1
9.97%
Leverage
8.58%
No watch items at this period.

Asset Quality

StrongQoQ +8
84
Sub-score

Asset quality is strong: Adjusted NPL 2.08%, Texas Ratio 16.9%, NCO YTD -0.03%.

Adjusted NPL
2.08%
Govt-guarantees stripped
Texas Ratio
16.9%
NCO YTD
-0.03%
30-89 PD
0.48%
Band 0.3% / 3.0%
90+ PD
0.13%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.08% (govt-guarantees stripped).

Reserves

RiskQoQ -2
40
Sub-score

Reserves are weak: ALLL 1.24% of loans, coverage 60.2%, true coverage 57.1%.

ALLL / Loans
1.24%
Coverage
60.2%
True Loss Coverage
57.1%
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%. Pillars with no available metrics are dropped from the denominator (renormalised). See functions/src/vitalSignsScore.ts for exact formula and sub-score band anchors.
Pillar status
Strong ≥ 80, Stable ≥ 60, Watch ≥ 40, Risk < 40. Bands are scoring buckets, NOT regulatory thresholds.
Watch Items
Per-pillar rule trips with severity (Risk / Watch / Info) assigned by how far the metric breaches its threshold. Top-3 panel ranks across pillars: severity dominates, magnitude breaks ties.
Adjusted NPL
Noncurrent loans minus government-guaranteed nonaccrual (sourced from FFIEC Schedule RC-N Memorandum item 2). Strips out exposure with implicit US government backing, the same formula used by the Loan Restructuring Watch builder.
True Loss Coverage Ratio
ALLL ÷ (Adjusted NPL + Performing Mods). Surfaces under-reservation that conventional ALLL/NPL hides when banks aggressively modify rather than charge off.
Past-due 30-89 / 90+ PD
Bank-wide totals from FFIEC Schedule RC-N (30-89 days past due and 90+ days past due still accruing) divided by total loans and leases (net of unearned income). Score bands: 30-89 PD Good 0.3% / Bad 3.0%; 90+ PD Good 0.1% / Bad 2.0%.
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, Watch Item rules, and per-quarter URL surface are Visbanking's own work.

Generated: 2026-05-14 06:11:35 UTC