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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-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2024-Q2QoQ +8

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

Quarterly Headline

2024-Q2

Bank #3354599 2024-Q2 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. info
    Brokered deposits above 30%
    Liquidity — Brokered 33.9% of deposits (threshold 30%).

What changed this quarter

Compared to Q1 2024:
↑ +8 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↑ +18
  • Reserves
    ↑ +31

The five pillars

Liquidity

WatchQoQ 0
56
Sub-score

Liquidity is deteriorating: brokered 33.9%, loans/deposits 86.7%, cash 3.0% of assets.

Cash / Assets
3.02%
Loans / Deposits
86.66%
Brokered %
33.90%

Watch Items

  • infoBrokered deposits above 30% — Brokered 33.9% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.04%
No watch items at this period.

Capitalization

WatchQoQ -3
54
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.14%, CET1 10.14%, leverage 8.73%.

Tier 1 RBC
10.14%
CET1
10.14%
Leverage
8.73%
No watch items at this period.

Asset Quality

StrongQoQ +18
99
Sub-score

Asset quality is strong: Adjusted NPL 0.53%, Texas Ratio 4.1%, NCO YTD 0.03%.

Adjusted NPL
0.53%
Govt-guarantees stripped
Texas Ratio
4.1%
NCO YTD
0.03%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +31
98
Sub-score

Reserves are strong: ALLL 1.44% of loans, coverage 274.0%, true coverage 271.8%.

ALLL / Loans
1.44%
Coverage
274.0%
True Loss Coverage
271.8%
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