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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 — 2025-Q2

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

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2025-Q2QoQ -2

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 #595430 2025-Q2 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.51% of assets (threshold 3%).
  2. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.47% of loans.

What changed this quarter

Compared to Q1 2025:
↓ -2 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -8
  • Asset Quality
    ↑ +1
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +1
62
Sub-score

Liquidity is stable: brokered 12.0%, loans/deposits 92.3%, cash 1.5% of assets.

Cash / Assets
1.51%
Loans / Deposits
92.26%
Brokered %
11.97%

Watch Items

  • watchCash / Assets below 3% — Cash 1.51% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 6.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
6.68%
No watch items at this period.

Capitalization

StableQoQ -8
62
Sub-score

Capital position is stable: Tier 1 RBC 10.80%, CET1 10.80%, leverage 9.61%.

Tier 1 RBC
10.80%
CET1
10.80%
Leverage
9.61%
No watch items at this period.

Asset Quality

StrongQoQ +1
100
Sub-score

Asset quality is strong: Adjusted NPL 0.13%, Texas Ratio 1.0%, NCO YTD 0.01%.

Adjusted NPL
0.13%
Govt-guarantees stripped
Texas Ratio
1.0%
NCO YTD
0.01%
30-89 PD
0.30%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Stable
67
Sub-score

Reserves are stable: ALLL 0.47% of loans, coverage 379.5%, true coverage 377.3%.

ALLL / Loans
0.47%
Coverage
379.5%
True Loss Coverage
377.3%

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