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Bankpacific Ltd

IDRSSD: 364270
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
71
/ 100
StableAs of 2025-Q1QoQ +3

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 #364270 2025-Q1 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 23.5% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 24.4% (regulatory soft-warning level 50%).
  3. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).

What changed this quarter

Compared to Q4 2024:
↑ +3 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    ↑ +16
  • Capitalization
    — —
  • Asset Quality
    ↓ -1
  • Reserves
    ↑ +5

The five pillars

Liquidity

StrongQoQ -1
98
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 73.3%.

Cash / Assets
—
Loans / Deposits
73.28%
Brokered %
0.00%
No watch items at this period.

Securities

StrongQoQ +16
100
Sub-score

Securities profile is strong: securities 19.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
19.31%
No watch items at this period.

Capitalization

Stable
75
Sub-score

Capital position is stable: Tier 1 RBC 24.37%, CET1 0.00%, leverage 11.50%.

Tier 1 RBC
24.37%
CET1
0.00%
Leverage
11.50%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

WatchQoQ -1
56
Sub-score

Asset quality is deteriorating: Adjusted NPL 5.06%, Texas Ratio 22.1%, NCO YTD 0.24%.

Adjusted NPL
5.06%
Govt-guarantees stripped
Texas Ratio
22.1%
NCO YTD
0.24%
30-89 PD
1.10%
Band 0.3% / 3.0%
90+ PD
0.36%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.06% (govt-guarantees stripped).

Reserves

RiskQoQ +5
24
Sub-score

Reserves are weak: ALLL 1.22% of loans, coverage 24.4%, true coverage 23.5%.

ALLL / Loans
1.22%
Coverage
24.4%
True Loss Coverage
23.5%

Watch Items

  • riskALLL / NPL below 50% — Coverage 24.4% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 23.5% (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: 2026-05-13 09:00:36 UTC