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Park Bank National Association

IDRSSD: 518354
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
88
/ 100
StrongAs of 2024-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

2024-Q1

Bank #518354 2024-Q1 Vital Signs Score: 88/100 — overall strong. Strongest pillar: Capitalization (strong). Weakest pillar: Securities (watch).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q4 2023:
↓ 0 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    ↓ -7
  • Capitalization
    — —
  • Asset Quality
    ↑ +3
  • Reserves
    ↑ +1

The five pillars

Liquidity

StrongQoQ 0
94
Sub-score

Liquidity is strong: brokered 9.0%, loans/deposits 47.5%, cash 15.7% of assets.

Cash / Assets
15.69%
Loans / Deposits
47.49%
Brokered %
8.99%
No watch items at this period.

Securities

WatchQoQ -7
46
Sub-score

Securities profile is deteriorating: securities 36.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
36.33%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 29.40%, CET1 29.40%, leverage 15.59%.

Tier 1 RBC
29.40%
CET1
29.40%
Leverage
15.59%
No watch items at this period.

Asset Quality

StrongQoQ +3
88
Sub-score

Asset quality is strong: Adjusted NPL 1.69%, Texas Ratio 3.8%, NCO YTD -8.38%.

Adjusted NPL
1.69%
Govt-guarantees stripped
Texas Ratio
3.8%
NCO YTD
-8.38%
30-89 PD
0.60%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +1
100
Sub-score

Reserves are strong: ALLL 5.34% of loans, coverage 334.1%, true coverage 334.1%.

ALLL / Loans
5.34%
Coverage
334.1%
True Loss Coverage
334.1%
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: 2026-05-14 14:37:40 UTC