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St Louis Bank

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

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
72
/ 100
StableAs of 2025-Q2QoQ -5

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

Quarterly Headline

2025-Q2

Bank #3354599 2025-Q2 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. watch
    Brokered deposits above 30%
    Liquidity — Brokered 38.1% of deposits (threshold 30%).

What changed this quarter

Compared to Q1 2025:
↓ -5 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -38

The five pillars

Liquidity

StableQoQ +3
63
Sub-score

Liquidity is stable: brokered 38.1%, loans/deposits 84.3%, cash 5.5% of assets.

Cash / Assets
5.52%
Loans / Deposits
84.29%
Brokered %
38.08%

Watch Items

  • watchBrokered deposits above 30% — Brokered 38.1% 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 +4
54
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.19%, CET1 10.19%, leverage 8.61%.

Tier 1 RBC
10.19%
CET1
10.19%
Leverage
8.61%
No watch items at this period.

Asset Quality

StrongQoQ -3
90
Sub-score

Asset quality is strong: Adjusted NPL 1.60%, Texas Ratio 12.3%, NCO YTD 0.00%.

Adjusted NPL
1.60%
Govt-guarantees stripped
Texas Ratio
12.3%
NCO YTD
0.00%
30-89 PD
0.04%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -38
58
Sub-score

Reserves are deteriorating: ALLL 1.53% of loans, coverage 97.3%, true coverage 60.7%.

ALLL / Loans
1.53%
Coverage
97.3%
True Loss Coverage
60.7%
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