Visbanking Logo
Skip to main content

The Lyndon State Bank

IDRSSD: 136655
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
65
/ 100
StableAs of 2024-Q2QoQ -20

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

Quarterly Headline

2024-Q2

Bank #136655 2024-Q2 Vital Signs Score: 65/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 2.95%.
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 34.5% (regulatory soft-warning level 50%).
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 34.5% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q1 2024:
↓ -20 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -9
  • Asset Quality
    ↓ -34
  • Reserves
    ↓ -65

The five pillars

Liquidity

StableQoQ +1
65
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 103.3%, cash 1.5% of assets.

Cash / Assets
1.52%
Loans / Deposits
103.25%
Brokered %
0.00%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 103.3% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.52% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.92%
No watch items at this period.

Capitalization

StrongQoQ -9
81
Sub-score

Capital position is strong: Tier 1 RBC 12.48%, CET1 12.48%, leverage 9.16%.

Tier 1 RBC
12.48%
CET1
12.48%
Leverage
9.16%
No watch items at this period.

Asset Quality

WatchQoQ -34
57
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.95%, Texas Ratio 23.2%, NCO YTD -0.01%.

Adjusted NPL
2.95%
Govt-guarantees stripped
Texas Ratio
23.2%
NCO YTD
-0.01%
30-89 PD
0.77%
Band 0.3% / 3.0%
90+ PD
2.95%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.95% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 2.95%.

Reserves

RiskQoQ -65
19
Sub-score

Reserves are weak: ALLL 1.01% of loans, coverage 34.5%, true coverage 34.5%.

ALLL / Loans
1.01%
Coverage
34.5%
True Loss Coverage
34.5%

Watch Items

  • watchALLL / NPL below 50% — Coverage 34.5% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 34.5% (Adjusted NPL + Performing Mods denominator).

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 11:35:56 UTC