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Panhandle First Bank

IDRSSD: 192857
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
80
/ 100
StableAs of 2024-Q2QoQ -18

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 #192857 2024-Q2 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.43% (govt-guarantees stripped).
  2. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.16%.

What changed this quarter

Compared to Q1 2024:
↓ -18 ptscomposite
  • Liquidity
    ↓ -16
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -21
  • Reserves
    ↓ -60

The five pillars

Liquidity

StrongQoQ -16
80
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 83.5%, cash 4.1% of assets.

Cash / Assets
4.14%
Loans / Deposits
83.52%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.27%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 15.24%, CET1 15.24%, leverage 12.11%.

Tier 1 RBC
15.24%
CET1
15.24%
Leverage
12.11%
No watch items at this period.

Asset Quality

StableQoQ -21
70
Sub-score

Asset quality is stable: Adjusted NPL 2.43%, Texas Ratio 12.5%, NCO YTD 0.14%.

Adjusted NPL
2.43%
Govt-guarantees stripped
Texas Ratio
12.5%
NCO YTD
0.14%
30-89 PD
0.83%
Band 0.3% / 3.0%
90+ PD
1.16%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.43% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.16%.

Reserves

RiskQoQ -60
40
Sub-score

Reserves are weak: ALLL 1.31% of loans, coverage 54.5%, true coverage 54.5%.

ALLL / Loans
1.31%
Coverage
54.5%
True Loss Coverage
54.5%
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: 2026-05-13 01:00:01 UTC