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State Bank Of The Lakes National Association

IDRSSD: 595430
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2024-Q4QoQ -3

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

Quarterly Headline

2024-Q4

Bank #595430 2024-Q4 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.28% of assets (threshold 3%).
  2. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.47% of loans.

What changed this quarter

Compared to Q3 2024:
↓ -3 ptscomposite
  • Liquidity
    ↓ -7
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↑ +3
  • Reserves
    ↓ -14

The five pillars

Liquidity

StableQoQ -7
61
Sub-score

Liquidity is stable: brokered 12.3%, loans/deposits 93.2%, cash 1.3% of assets.

Cash / Assets
1.28%
Loans / Deposits
93.17%
Brokered %
12.30%

Watch Items

  • watchCash / Assets below 3% — Cash 1.28% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 7.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
7.39%
No watch items at this period.

Capitalization

StableQoQ -2
65
Sub-score

Capital position is stable: Tier 1 RBC 11.03%, CET1 11.03%, leverage 9.54%.

Tier 1 RBC
11.03%
CET1
11.03%
Leverage
9.54%
No watch items at this period.

Asset Quality

StrongQoQ +3
97
Sub-score

Asset quality is strong: Adjusted NPL 0.34%, Texas Ratio 2.7%, NCO YTD 0.26%.

Adjusted NPL
0.34%
Govt-guarantees stripped
Texas Ratio
2.7%
NCO YTD
0.26%
30-89 PD
0.50%
Band 0.3% / 3.0%
90+ PD
0.07%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -14
53
Sub-score

Reserves are deteriorating: ALLL 0.47% of loans, coverage 139.2%, true coverage 137.1%.

ALLL / Loans
0.47%
Coverage
139.2%
True Loss Coverage
137.1%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.47% of loans.

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 03:42:10 UTC