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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-Q4

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

Synthesis

Vital Signs Score
64
/ 100
StableAs of 2025-Q4QoQ -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-Q4

Bank #3354599 2025-Q4 Vital Signs Score: 64/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.99% of assets (threshold 3%).
  2. info
    Brokered deposits above 30%
    Liquidity — Brokered 31.4% of deposits (threshold 30%).
  3. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.32% of loans.

What changed this quarter

Compared to Q3 2025:
↓ -5 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -10
  • Reserves
    ↓ -15

The five pillars

Liquidity

WatchQoQ -4
48
Sub-score

Liquidity is deteriorating: brokered 31.4%, loans/deposits 94.1%, cash 1.0% of assets.

Cash / Assets
0.99%
Loans / Deposits
94.10%
Brokered %
31.40%

Watch Items

  • infoBrokered deposits above 30% — Brokered 31.4% of deposits (threshold 30%).
  • riskCash / Assets below 3% — Cash 0.99% of assets (threshold 3%).

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 +2
59
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.28%, CET1 10.28%, leverage 9.47%.

Tier 1 RBC
10.28%
CET1
10.28%
Leverage
9.47%
No watch items at this period.

Asset Quality

StableQoQ -10
76
Sub-score

Asset quality is stable: Adjusted NPL 1.94%, Texas Ratio 15.5%, NCO YTD 1.32%.

Adjusted NPL
1.94%
Govt-guarantees stripped
Texas Ratio
15.5%
NCO YTD
1.32%
30-89 PD
0.29%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.32% of loans.

Reserves

WatchQoQ -15
41
Sub-score

Reserves are deteriorating: ALLL 1.21% of loans, coverage 63.3%, true coverage 61.1%.

ALLL / Loans
1.21%
Coverage
63.3%
True Loss Coverage
61.1%
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%. 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