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St Louis Bank

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

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2024-Q1QoQ -9

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

Quarterly Headline

2024-Q1

Bank #3354599 2024-Q1 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. info
    Brokered deposits above 30%
    Liquidity — Brokered 34.6% of deposits (threshold 30%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.69% of assets (threshold 3%).
  3. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.13%.

What changed this quarter

Compared to Q4 2023:
↓ -9 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -18
  • Reserves
    ↓ -29

The five pillars

Liquidity

WatchQoQ -1
56
Sub-score

Liquidity is deteriorating: brokered 34.6%, loans/deposits 84.9%, cash 2.7% of assets.

Cash / Assets
2.69%
Loans / Deposits
84.93%
Brokered %
34.56%

Watch Items

  • infoBrokered deposits above 30% — Brokered 34.6% of deposits (threshold 30%).
  • infoCash / Assets below 3% — Cash 2.69% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.02%
No watch items at this period.

Capitalization

WatchQoQ +1
58
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.99%, CET1 9.99%, leverage 8.39%.

Tier 1 RBC
9.99%
CET1
9.99%
Leverage
8.39%
No watch items at this period.

Asset Quality

StrongQoQ -18
81
Sub-score

Asset quality is strong: Adjusted NPL 1.60%, Texas Ratio 12.6%, NCO YTD 0.03%.

Adjusted NPL
1.60%
Govt-guarantees stripped
Texas Ratio
12.6%
NCO YTD
0.03%
30-89 PD
0.17%
Band 0.3% / 3.0%
90+ PD
1.13%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.13%.

Reserves

StableQoQ -29
67
Sub-score

Reserves are stable: ALLL 1.40% of loans, coverage 89.0%, true coverage 88.7%.

ALLL / Loans
1.40%
Coverage
89.0%
True Loss Coverage
88.7%
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 06:11:35 UTC