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The Lemont National Bank

IDRSSD: 480330
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
47
/ 100
WatchAs of 2025-Q4QoQ -18

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 #480330 2025-Q4 Vital Signs Score: 47/100 — overall watch. Strongest pillar: Asset Quality (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. risk
    Tier 1 Leverage below 5%
    Capitalization — Tier 1 Leverage 2.04% (PCA threshold 5%).
  2. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.43% of loans.
  3. info
    Tier 1 RBC below 8%
    Capitalization — Tier 1 RBC 7.56% (PCA threshold 8%).

What changed this quarter

Compared to Q3 2025:
↓ -18 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -73
  • Asset Quality
    — —
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +1
98
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 9.0%, cash 9.2% of assets.

Cash / Assets
9.16%
Loans / Deposits
8.96%
Brokered %
0.00%
No watch items at this period.

Securities

Risk
0
Sub-score

Securities profile is weak: securities 74.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
74.55%
No watch items at this period.

Capitalization

RiskQoQ -73
8
Sub-score

Capital position is weak: Tier 1 RBC 7.56%, CET1 7.56%, leverage 2.04%.

Tier 1 RBC
7.56%
CET1
7.56%
Leverage
2.04%

Watch Items

  • infoTier 1 RBC below 8% — Tier 1 RBC 7.56% (PCA threshold 8%).
  • riskTier 1 Leverage below 5% — Tier 1 Leverage 2.04% (PCA threshold 5%).

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.00%, Texas Ratio 0.0%, NCO YTD 0.00%.

Adjusted NPL
0.00%
Govt-guarantees stripped
Texas Ratio
0.0%
NCO YTD
0.00%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Risk
0
Sub-score

Reserves are weak: ALLL 0.43% of loans.

ALLL / Loans
0.43%
Coverage
—
True Loss Coverage
—

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.43% 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: 2026-05-13 16:08:32 UTC