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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-Q4

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

Synthesis

Vital Signs Score
80
/ 100
StableAs of 2025-Q4QoQ -1

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 #595430 2025-Q4 Vital Signs Score: 80/100 — 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
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.50% of loans.
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.20% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -1
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -4
65
Sub-score

Liquidity is stable: brokered 12.2%, loans/deposits 89.7%, cash 2.2% of assets.

Cash / Assets
2.20%
Loans / Deposits
89.65%
Brokered %
12.20%

Watch Items

  • infoCash / Assets below 3% — Cash 2.20% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 6.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
6.00%
No watch items at this period.

Capitalization

StableQoQ +2
69
Sub-score

Capital position is stable: Tier 1 RBC 11.38%, CET1 11.38%, leverage 9.62%.

Tier 1 RBC
11.38%
CET1
11.38%
Leverage
9.62%
No watch items at this period.

Asset Quality

StrongQoQ -1
99
Sub-score

Asset quality is strong: Adjusted NPL 0.14%, Texas Ratio 1.1%, NCO YTD 0.11%.

Adjusted NPL
0.14%
Govt-guarantees stripped
Texas Ratio
1.1%
NCO YTD
0.11%
30-89 PD
0.44%
Band 0.3% / 3.0%
90+ PD
0.05%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Stable
67
Sub-score

Reserves are stable: ALLL 0.50% of loans, coverage 355.1%, true coverage 355.1%.

ALLL / Loans
0.50%
Coverage
355.1%
True Loss Coverage
355.1%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.50% 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