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Pathfinder Bank

IDRSSD: 729310
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
80
/ 100
StableAs of 2024-Q4QoQ +2

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 #729310 2024-Q4 Vital Signs Score: 80/100 — 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. info
    Cash / Assets below 3%
    Liquidity — Cash 2.15% of assets (threshold 3%).
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.45% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2024:
↑ +2 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↑ +13
  • Reserves
    ↓ -17

The five pillars

Liquidity

StableQoQ 0
73
Sub-score

Liquidity is stable: brokered 10.7%, loans/deposits 74.4%, cash 2.1% of assets.

Cash / Assets
2.15%
Loans / Deposits
74.43%
Brokered %
10.70%

Watch Items

  • infoCash / Assets below 3% — Cash 2.15% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 10.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
10.82%
No watch items at this period.

Capitalization

StrongQoQ +4
92
Sub-score

Capital position is strong: Tier 1 RBC 13.44%, CET1 13.44%, leverage 9.62%.

Tier 1 RBC
13.44%
CET1
13.44%
Leverage
9.62%
No watch items at this period.

Asset Quality

StableQoQ +13
72
Sub-score

Asset quality is stable: Adjusted NPL 2.45%, Texas Ratio 14.1%, NCO YTD 0.44%.

Adjusted NPL
2.45%
Govt-guarantees stripped
Texas Ratio
14.1%
NCO YTD
0.44%
30-89 PD
1.47%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.45% (govt-guarantees stripped).

Reserves

WatchQoQ -17
60
Sub-score

Reserves are deteriorating: ALLL 1.88% of loans, coverage 78.1%, true coverage 72.1%.

ALLL / Loans
1.88%
Coverage
78.1%
True Loss Coverage
72.1%
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