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Park State Bank And Trust

IDRSSD: 480059
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
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Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2023-Q4QoQ -14

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

Quarterly Headline

2023-Q4

Bank #480059 2023-Q4 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.83% of assets (threshold 3%).
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 48.7% (regulatory soft-warning level 50%).
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 48.7% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2023:
↓ -14 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -16
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -3
76
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 82.1%, cash 1.8% of assets.

Cash / Assets
1.83%
Loans / Deposits
82.12%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.83% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.12%, CET1 16.12%, leverage 12.50%.

Tier 1 RBC
16.12%
CET1
16.12%
Leverage
12.50%
No watch items at this period.

Asset Quality

StrongQoQ -16
84
Sub-score

Asset quality is strong: Adjusted NPL 2.33%, Texas Ratio 13.1%, NCO YTD 0.00%.

Adjusted NPL
2.33%
Govt-guarantees stripped
Texas Ratio
13.1%
NCO YTD
0.00%
30-89 PD
0.06%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.33% (govt-guarantees stripped).

Reserves

Risk
30
Sub-score

Reserves are weak: ALLL 1.12% of loans, coverage 48.7%, true coverage 48.7%.

ALLL / Loans
1.12%
Coverage
48.7%
True Loss Coverage
48.7%

Watch Items

  • infoALLL / NPL below 50% — Coverage 48.7% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 48.7% (Adjusted NPL + Performing Mods denominator).

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: 2026-05-12 21:24:47 UTC