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The Luzerne Bank

IDRSSD: 501815
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2024-Q1QoQ 0

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

Quarterly Headline

2024-Q1

Bank #501815 2024-Q1 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.99% of assets (threshold 3%).
  2. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.37% of loans.
  3. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 103.3% (threshold 100%).

What changed this quarter

Compared to Q4 2023:
↑ 0 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +4

The five pillars

Liquidity

WatchQoQ +1
59
Sub-score

Liquidity is deteriorating: brokered 9.6%, loans/deposits 103.3%, cash 2.0% of assets.

Cash / Assets
1.99%
Loans / Deposits
103.34%
Brokered %
9.62%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 103.3% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.99% 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
57
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.12%, CET1 10.12%, leverage 8.02%.

Tier 1 RBC
10.12%
CET1
10.12%
Leverage
8.02%
No watch items at this period.

Asset Quality

StrongQoQ +1
98
Sub-score

Asset quality is strong: Adjusted NPL 0.12%, Texas Ratio 1.1%, NCO YTD 0.18%.

Adjusted NPL
0.12%
Govt-guarantees stripped
Texas Ratio
1.1%
NCO YTD
0.18%
30-89 PD
0.47%
Band 0.3% / 3.0%
90+ PD
0.10%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +4
67
Sub-score

Reserves are stable: ALLL 0.37% of loans, coverage 326.9%, true coverage 112.0%.

ALLL / Loans
0.37%
Coverage
326.9%
True Loss Coverage
112.0%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.37% 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: 2026-05-15 07:54:55 UTC