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Pathfinder Bank

IDRSSD: 729310
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
83
/ 100
StrongAs of 2023-Q4QoQ +18

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 #729310 2023-Q4 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q3 2023:
↑ +18 ptscomposite
  • Liquidity
    ↑ +8
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↑ +62
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +8
67
Sub-score

Liquidity is stable: brokered 21.5%, loans/deposits 78.2%, cash 3.3% of assets.

Cash / Assets
3.34%
Loans / Deposits
78.24%
Brokered %
21.55%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 12.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
12.33%
No watch items at this period.

Capitalization

StrongQoQ +3
99
Sub-score

Capital position is strong: Tier 1 RBC 13.80%, CET1 13.80%, leverage 10.08%.

Tier 1 RBC
13.80%
CET1
13.80%
Leverage
10.08%
No watch items at this period.

Asset Quality

StableQoQ +62
77
Sub-score

Asset quality is stable: Adjusted NPL 1.95%, Texas Ratio 10.8%, NCO YTD 0.05%.

Adjusted NPL
1.95%
Govt-guarantees stripped
Texas Ratio
10.8%
NCO YTD
0.05%
30-89 PD
1.90%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Stable
68
Sub-score

Reserves are stable: ALLL 1.78% of loans, coverage 92.7%, true coverage 82.5%.

ALLL / Loans
1.78%
Coverage
92.7%
True Loss Coverage
82.5%
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 03:46:54 UTC