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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-Q2

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

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2024-Q2QoQ -16

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 #518354 2024-Q2 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Capitalization (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.54% (govt-guarantees stripped).
  2. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.71% of loans.

What changed this quarter

Compared to Q1 2024:
↓ -16 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    ↓ -19
  • Capitalization
    — —
  • Asset Quality
    ↓ -41
  • Reserves
    ↓ -23

The five pillars

Liquidity

StrongQoQ +2
96
Sub-score

Liquidity is strong: brokered 4.7%, loans/deposits 48.1%, cash 9.4% of assets.

Cash / Assets
9.44%
Loans / Deposits
48.08%
Brokered %
4.70%
No watch items at this period.

Securities

RiskQoQ -19
26
Sub-score

Securities profile is weak: securities 42.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
42.08%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 30.66%, CET1 30.66%, leverage 15.86%.

Tier 1 RBC
30.66%
CET1
30.66%
Leverage
15.86%
No watch items at this period.

Asset Quality

WatchQoQ -41
48
Sub-score

Asset quality is deteriorating: Adjusted NPL 5.54%, Texas Ratio 11.9%, NCO YTD 1.71%.

Adjusted NPL
5.54%
Govt-guarantees stripped
Texas Ratio
11.9%
NCO YTD
1.71%
30-89 PD
1.05%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.54% (govt-guarantees stripped).
  • watchNet charge-offs elevated — NCO YTD 1.71% of loans.

Reserves

StableQoQ -23
77
Sub-score

Reserves are stable: ALLL 5.16% of loans, coverage 98.2%, true coverage 98.2%.

ALLL / Loans
5.16%
Coverage
98.2%
True Loss Coverage
98.2%
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