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Parkway Bank And Trust Company

IDRSSD: 1001639
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
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
77
/ 100
StableAs of 2023-Q4QoQ -13

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 #1001639 2023-Q4 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.63% of loans.

What changed this quarter

Compared to Q3 2023:
↓ -13 ptscomposite
  • Liquidity
    ↓ -10
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -21
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -10
69
Sub-score

Liquidity is stable: brokered 27.7%, loans/deposits 95.5%, cash 12.4% of assets.

Cash / Assets
12.43%
Loans / Deposits
95.49%
Brokered %
27.65%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 8.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
8.19%
No watch items at this period.

Capitalization

StrongQoQ +1
85
Sub-score

Capital position is strong: Tier 1 RBC 11.90%, CET1 11.90%, leverage 10.76%.

Tier 1 RBC
11.90%
CET1
11.90%
Leverage
10.76%
No watch items at this period.

Asset Quality

StableQoQ -21
79
Sub-score

Asset quality is stable: Adjusted NPL 1.32%, Texas Ratio 8.9%, NCO YTD 1.63%.

Adjusted NPL
1.32%
Govt-guarantees stripped
Texas Ratio
8.9%
NCO YTD
1.63%
30-89 PD
0.34%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 1.63% of loans.

Reserves

Watch
51
Sub-score

Reserves are deteriorating: ALLL 1.13% of loans, coverage 86.8%, true coverage 75.9%.

ALLL / Loans
1.13%
Coverage
86.8%
True Loss Coverage
75.9%
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: 2026-05-12 21:15:58 UTC