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Old Plank Trail Community Bank National Association

IDRSSD: 3404207
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2023-Q4QoQ -5

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

Quarterly Headline

2023-Q4

Bank #3404207 2023-Q4 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.23% of assets (threshold 3%).
  2. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.69% of loans.

What changed this quarter

Compared to Q3 2023:
↓ -5 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↓ -3
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -1
70
Sub-score

Liquidity is stable: brokered 10.9%, loans/deposits 80.3%, cash 2.2% of assets.

Cash / Assets
2.23%
Loans / Deposits
80.31%
Brokered %
10.93%

Watch Items

  • infoCash / Assets below 3% — Cash 2.23% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 11.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
11.17%
No watch items at this period.

Capitalization

StableQoQ 0
68
Sub-score

Capital position is stable: Tier 1 RBC 10.73%, CET1 10.73%, leverage 8.90%.

Tier 1 RBC
10.73%
CET1
10.73%
Leverage
8.90%
No watch items at this period.

Asset Quality

StrongQoQ -3
97
Sub-score

Asset quality is strong: Adjusted NPL 0.55%, Texas Ratio 4.2%, NCO YTD 0.17%.

Adjusted NPL
0.55%
Govt-guarantees stripped
Texas Ratio
4.2%
NCO YTD
0.17%
30-89 PD
0.63%
Band 0.3% / 3.0%
90+ PD
0.06%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Watch
57
Sub-score

Reserves are deteriorating: ALLL 0.69% of loans, coverage 127.6%, true coverage 127.6%.

ALLL / Loans
0.69%
Coverage
127.6%
True Loss Coverage
127.6%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.69% 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: 2026-05-14 08:44:30 UTC