Visbanking Logo
Skip to main content

The Luzerne Bank

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

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
73
/ 100
StableAs of 2025-Q1QoQ -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-Q1

Bank #501815 2025-Q1 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.47% of loans.
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.16% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2024:
↓ -1 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ +1
  • Reserves
    ↓ -4

The five pillars

Liquidity

StableQoQ 0
61
Sub-score

Liquidity is stable: brokered 12.4%, loans/deposits 95.8%, cash 2.2% of assets.

Cash / Assets
2.16%
Loans / Deposits
95.84%
Brokered %
12.35%

Watch Items

  • infoCash / Assets below 3% — Cash 2.16% 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 -1
53
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.64%, CET1 10.64%, leverage 7.85%.

Tier 1 RBC
10.64%
CET1
10.64%
Leverage
7.85%
No watch items at this period.

Asset Quality

StrongQoQ +1
96
Sub-score

Asset quality is strong: Adjusted NPL 0.26%, Texas Ratio 2.5%, NCO YTD 0.06%.

Adjusted NPL
0.26%
Govt-guarantees stripped
Texas Ratio
2.5%
NCO YTD
0.06%
30-89 PD
0.77%
Band 0.3% / 3.0%
90+ PD
0.25%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -4
59
Sub-score

Reserves are deteriorating: ALLL 0.47% of loans, coverage 179.8%, true coverage 93.1%.

ALLL / Loans
0.47%
Coverage
179.8%
True Loss Coverage
93.1%

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: 2026-05-15 07:54:55 UTC