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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 — 2024-Q2

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

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2024-Q2QoQ 0

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 #3404207 2024-Q2 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.61% of loans.

What changed this quarter

Compared to Q1 2024:
↓ 0 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↓ -8
  • Asset Quality
    ↑ +5
  • Reserves
    ↓ -2

The five pillars

Liquidity

StableQoQ +3
78
Sub-score

Liquidity is stable: brokered 11.5%, loans/deposits 78.6%, cash 5.3% of assets.

Cash / Assets
5.26%
Loans / Deposits
78.61%
Brokered %
11.48%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 10.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
10.08%
No watch items at this period.

Capitalization

WatchQoQ -8
57
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.67%, CET1 10.67%, leverage 8.54%.

Tier 1 RBC
10.67%
CET1
10.67%
Leverage
8.54%
No watch items at this period.

Asset Quality

StrongQoQ +5
96
Sub-score

Asset quality is strong: Adjusted NPL 0.45%, Texas Ratio 3.5%, NCO YTD 0.02%.

Adjusted NPL
0.45%
Govt-guarantees stripped
Texas Ratio
3.5%
NCO YTD
0.02%
30-89 PD
0.83%
Band 0.3% / 3.0%
90+ PD
0.07%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -2
56
Sub-score

Reserves are deteriorating: ALLL 0.61% of loans, coverage 136.6%, true coverage 136.4%.

ALLL / Loans
0.61%
Coverage
136.6%
True Loss Coverage
136.4%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.61% 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