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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 — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
73
/ 100
StableAs of 2025-Q2QoQ -5

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

Quarterly Headline

2025-Q2

Bank #518354 2025-Q2 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Liquidity (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 5.50% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2025:
↓ -5 ptscomposite
  • Liquidity
    — —
  • Securities
    ↓ -19
  • Capitalization
    — —
  • Asset Quality
    ↓ -11
  • Reserves
    ↑ 0

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 39.4%, cash 14.8% of assets.

Cash / Assets
14.81%
Loans / Deposits
39.36%
Brokered %
0.00%
No watch items at this period.

Securities

RiskQoQ -19
20
Sub-score

Securities profile is weak: securities 44.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
44.06%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 29.05%, CET1 29.05%, leverage 14.14%.

Tier 1 RBC
29.05%
CET1
29.05%
Leverage
14.14%
No watch items at this period.

Asset Quality

WatchQoQ -11
55
Sub-score

Asset quality is deteriorating: Adjusted NPL 5.50%, Texas Ratio 11.5%, NCO YTD -0.18%.

Adjusted NPL
5.50%
Govt-guarantees stripped
Texas Ratio
11.5%
NCO YTD
-0.18%
30-89 PD
2.22%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.50% (govt-guarantees stripped).

Reserves

StableQoQ 0
79
Sub-score

Reserves are stable: ALLL 5.43% of loans, coverage 104.3%, true coverage 104.3%.

ALLL / Loans
5.43%
Coverage
104.3%
True Loss Coverage
104.3%
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