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Pathfinder Bank

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

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StrongAs of 2025-Q2QoQ -7

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

Quarterly Headline

2025-Q2

Bank #729310 2025-Q2 Vital Signs Score: 80/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.10% of assets (threshold 3%).
  2. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.14% of loans.

What changed this quarter

Compared to Q1 2025:
↓ -7 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↓ -16
  • Reserves
    ↓ -15

The five pillars

Liquidity

StableQoQ -4
75
Sub-score

Liquidity is stable: brokered 9.7%, loans/deposits 73.0%, cash 2.1% of assets.

Cash / Assets
2.10%
Loans / Deposits
72.96%
Brokered %
9.66%

Watch Items

  • infoCash / Assets below 3% — Cash 2.10% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 10.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
10.57%
No watch items at this period.

Capitalization

StrongQoQ 0
93
Sub-score

Capital position is strong: Tier 1 RBC 13.62%, CET1 13.62%, leverage 9.61%.

Tier 1 RBC
13.62%
CET1
13.62%
Leverage
9.61%
No watch items at this period.

Asset Quality

StableQoQ -16
67
Sub-score

Asset quality is stable: Adjusted NPL 1.30%, Texas Ratio 7.5%, NCO YTD 1.14%.

Adjusted NPL
1.30%
Govt-guarantees stripped
Texas Ratio
7.5%
NCO YTD
1.14%
30-89 PD
3.65%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.14% of loans.

Reserves

StableQoQ -15
69
Sub-score

Reserves are stable: ALLL 1.75% of loans, coverage 136.7%, true coverage 65.1%.

ALLL / Loans
1.75%
Coverage
136.7%
True Loss Coverage
65.1%
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