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Pathfinder Bank

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

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
87
/ 100
StrongAs of 2025-Q1QoQ +8

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

Quarterly Headline

2025-Q1

Bank #729310 2025-Q1 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

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

What changed this quarter

Compared to Q4 2024:
↑ +8 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↑ +10
  • Reserves
    ↑ +25

The five pillars

Liquidity

StableQoQ +6
79
Sub-score

Liquidity is stable: brokered 9.8%, loans/deposits 70.4%, cash 3.5% of assets.

Cash / Assets
3.46%
Loans / Deposits
70.35%
Brokered %
9.78%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 10.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
10.48%
No watch items at this period.

Capitalization

StrongQoQ +2
93
Sub-score

Capital position is strong: Tier 1 RBC 13.61%, CET1 13.61%, leverage 9.73%.

Tier 1 RBC
13.61%
CET1
13.61%
Leverage
9.73%
No watch items at this period.

Asset Quality

StrongQoQ +10
83
Sub-score

Asset quality is strong: Adjusted NPL 1.48%, Texas Ratio 8.3%, NCO YTD 0.15%.

Adjusted NPL
1.48%
Govt-guarantees stripped
Texas Ratio
8.3%
NCO YTD
0.15%
30-89 PD
1.66%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +25
85
Sub-score

Reserves are strong: ALLL 1.91% of loans, coverage 131.6%, true coverage 116.1%.

ALLL / Loans
1.91%
Coverage
131.6%
True Loss Coverage
116.1%
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