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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 — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2025-Q1QoQ 0

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 #3404207 2025-Q1 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 0.62% of loans.

What changed this quarter

Compared to Q4 2024:
↑ 0 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ 0
  • Reserves
    ↓ -10

The five pillars

Liquidity

StableQoQ +6
76
Sub-score

Liquidity is stable: brokered 10.6%, loans/deposits 82.2%, cash 5.0% of assets.

Cash / Assets
5.01%
Loans / Deposits
82.16%
Brokered %
10.64%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 8.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
8.77%
No watch items at this period.

Capitalization

WatchQoQ +2
60
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.70%, CET1 10.70%, leverage 9.15%.

Tier 1 RBC
10.70%
CET1
10.70%
Leverage
9.15%
No watch items at this period.

Asset Quality

StrongQoQ 0
97
Sub-score

Asset quality is strong: Adjusted NPL 0.49%, Texas Ratio 3.8%, NCO YTD 0.09%.

Adjusted NPL
0.49%
Govt-guarantees stripped
Texas Ratio
3.8%
NCO YTD
0.09%
30-89 PD
0.79%
Band 0.3% / 3.0%
90+ PD
0.10%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -10
54
Sub-score

Reserves are deteriorating: ALLL 0.62% of loans, coverage 127.2%, true coverage 127.2%.

ALLL / Loans
0.62%
Coverage
127.2%
True Loss Coverage
127.2%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.62% 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