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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
73
/ 100
StableAs of 2025-Q4QoQ +2

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

Quarterly Headline

2025-Q4

Bank #518354 2025-Q4 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Capitalization (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.77% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↑ +2 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +4
  • Reserves
    ↑ +7

The five pillars

Liquidity

StrongQoQ 0
95
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 37.0%, cash 7.7% of assets.

Cash / Assets
7.66%
Loans / Deposits
36.98%
Brokered %
0.00%
No watch items at this period.

Securities

Risk
0
Sub-score

Securities profile is weak: securities 52.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
52.95%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 28.86%, CET1 28.86%, leverage 13.53%.

Tier 1 RBC
28.86%
CET1
28.86%
Leverage
13.53%
No watch items at this period.

Asset Quality

StableQoQ +4
65
Sub-score

Asset quality is stable: Adjusted NPL 4.77%, Texas Ratio 9.6%, NCO YTD -2.57%.

Adjusted NPL
4.77%
Govt-guarantees stripped
Texas Ratio
9.6%
NCO YTD
-2.57%
30-89 PD
0.83%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.77% (govt-guarantees stripped).

Reserves

StrongQoQ +7
86
Sub-score

Reserves are strong: ALLL 6.19% of loans, coverage 138.3%, true coverage 138.3%.

ALLL / Loans
6.19%
Coverage
138.3%
True Loss Coverage
138.3%
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