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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 — 2024-Q4

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

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2024-Q4QoQ -1

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 #1001639 2024-Q4 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 101.9% (threshold 100%).

What changed this quarter

Compared to Q3 2024:
↓ -1 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ 0
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ -3
65
Sub-score

Liquidity is stable: brokered 28.7%, loans/deposits 101.9%, cash 11.3% of assets.

Cash / Assets
11.30%
Loans / Deposits
101.85%
Brokered %
28.72%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 101.9% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.57%
No watch items at this period.

Capitalization

StrongQoQ -1
81
Sub-score

Capital position is strong: Tier 1 RBC 12.11%, CET1 12.11%, leverage 11.28%.

Tier 1 RBC
12.11%
CET1
12.11%
Leverage
11.28%
No watch items at this period.

Asset Quality

StrongQoQ 0
92
Sub-score

Asset quality is strong: Adjusted NPL 1.31%, Texas Ratio 8.9%, NCO YTD 0.20%.

Adjusted NPL
1.31%
Govt-guarantees stripped
Texas Ratio
8.9%
NCO YTD
0.20%
30-89 PD
0.13%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +1
54
Sub-score

Reserves are deteriorating: ALLL 1.14% of loans, coverage 87.4%, true coverage 80.9%.

ALLL / Loans
1.14%
Coverage
87.4%
True Loss Coverage
80.9%
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