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The Lyndon State Bank

IDRSSD: 136655
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
84
/ 100
StrongAs of 2025-Q1QoQ +2

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 #136655 2025-Q1 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.99% of assets (threshold 3%).
  2. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 102.5% (threshold 100%).

What changed this quarter

Compared to Q4 2024:
↑ +2 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↑ +5
  • Reserves
    ↑ +5

The five pillars

Liquidity

StableQoQ -2
64
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 102.5%, cash 1.0% of assets.

Cash / Assets
0.99%
Loans / Deposits
102.50%
Brokered %
0.00%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 102.5% (threshold 100%).
  • riskCash / Assets below 3% — Cash 0.99% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.76%
No watch items at this period.

Capitalization

StrongQoQ +1
85
Sub-score

Capital position is strong: Tier 1 RBC 12.83%, CET1 12.83%, leverage 9.38%.

Tier 1 RBC
12.83%
CET1
12.83%
Leverage
9.38%
No watch items at this period.

Asset Quality

StrongQoQ +5
91
Sub-score

Asset quality is strong: Adjusted NPL 0.21%, Texas Ratio 1.7%, NCO YTD 0.00%.

Adjusted NPL
0.21%
Govt-guarantees stripped
Texas Ratio
1.7%
NCO YTD
0.00%
30-89 PD
1.66%
Band 0.3% / 3.0%
90+ PD
0.21%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +5
82
Sub-score

Reserves are strong: ALLL 0.96% of loans, coverage 460.6%, true coverage 460.6%.

ALLL / Loans
0.96%
Coverage
460.6%
True Loss Coverage
460.6%
No watch items at this period.

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