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Pathfinder Bank

IDRSSD: 729310
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2024-Q3QoQ 0

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

Quarterly Headline

2024-Q3

Bank #729310 2024-Q3 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (watch).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 3.86% of loans.
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.39% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2024:
↑ 0 ptscomposite
  • Liquidity
    ↑ +9
  • Securities
    — —
  • Capitalization
    ↓ -12
  • Asset Quality
    ↓ -9
  • Reserves
    ↑ +23

The five pillars

Liquidity

StableQoQ +9
73
Sub-score

Liquidity is stable: brokered 10.8%, loans/deposits 75.1%, cash 2.4% of assets.

Cash / Assets
2.39%
Loans / Deposits
75.08%
Brokered %
10.76%

Watch Items

  • infoCash / Assets below 3% — Cash 2.39% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 11.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
10.96%
No watch items at this period.

Capitalization

StrongQoQ -12
88
Sub-score

Capital position is strong: Tier 1 RBC 13.26%, CET1 13.26%, leverage 9.06%.

Tier 1 RBC
13.26%
CET1
13.26%
Leverage
9.06%
No watch items at this period.

Asset Quality

WatchQoQ -9
59
Sub-score

Asset quality is deteriorating: Adjusted NPL 1.79%, Texas Ratio 10.7%, NCO YTD 3.86%.

Adjusted NPL
1.79%
Govt-guarantees stripped
Texas Ratio
10.7%
NCO YTD
3.86%
30-89 PD
2.41%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 3.86% of loans.

Reserves

StableQoQ +23
76
Sub-score

Reserves are stable: ALLL 1.87% of loans, coverage 106.8%, true coverage 94.0%.

ALLL / Loans
1.87%
Coverage
106.8%
True Loss Coverage
94.0%
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