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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-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2024-Q4QoQ -3

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q4

Bank #518354 2024-Q4 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Securities (watch).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.21% (govt-guarantees stripped).
  2. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.06% of loans.

What changed this quarter

Compared to Q3 2024:
↓ -3 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    ↑ +11
  • Capitalization
    — —
  • Asset Quality
    ↓ -20
  • Reserves
    ↓ -4

The five pillars

Liquidity

StrongQoQ +3
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 40.7%, cash 20.5% of assets.

Cash / Assets
20.51%
Loans / Deposits
40.70%
Brokered %
0.00%
No watch items at this period.

Securities

WatchQoQ +11
42
Sub-score

Securities profile is deteriorating: securities 37.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
37.27%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 29.51%, CET1 29.51%, leverage 15.63%.

Tier 1 RBC
29.51%
CET1
29.51%
Leverage
15.63%
No watch items at this period.

Asset Quality

WatchQoQ -20
48
Sub-score

Asset quality is deteriorating: Adjusted NPL 5.21%, Texas Ratio 11.0%, NCO YTD 2.06%.

Adjusted NPL
5.21%
Govt-guarantees stripped
Texas Ratio
11.0%
NCO YTD
2.06%
30-89 PD
0.54%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.21% (govt-guarantees stripped).
  • watchNet charge-offs elevated — NCO YTD 2.06% of loans.

Reserves

StableQoQ -4
76
Sub-score

Reserves are stable: ALLL 4.87% of loans, coverage 98.2%, true coverage 98.2%.

ALLL / Loans
4.87%
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