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Pathfinder Bank

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

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2025-Q3QoQ -2

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

Quarterly Headline

2025-Q3

Bank #729310 2025-Q3 Vital Signs Score: 79/100 — 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
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.65% (govt-guarantees stripped).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.77% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2025:
↓ -2 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ +4
  • Reserves
    ↓ -19

The five pillars

Liquidity

StableQoQ +2
77
Sub-score

Liquidity is stable: brokered 9.9%, loans/deposits 71.4%, cash 2.8% of assets.

Cash / Assets
2.77%
Loans / Deposits
71.41%
Brokered %
9.90%

Watch Items

  • infoCash / Assets below 3% — Cash 2.77% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 9.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
9.76%
No watch items at this period.

Capitalization

StrongQoQ -1
92
Sub-score

Capital position is strong: Tier 1 RBC 13.45%, CET1 13.45%, leverage 9.65%.

Tier 1 RBC
13.45%
CET1
13.45%
Leverage
9.65%
No watch items at this period.

Asset Quality

StableQoQ +4
72
Sub-score

Asset quality is stable: Adjusted NPL 2.65%, Texas Ratio 14.6%, NCO YTD 0.30%.

Adjusted NPL
2.65%
Govt-guarantees stripped
Texas Ratio
14.6%
NCO YTD
0.30%
30-89 PD
1.54%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.65% (govt-guarantees stripped).

Reserves

WatchQoQ -19
50
Sub-score

Reserves are deteriorating: ALLL 2.08% of loans, coverage 80.0%, true coverage 51.0%.

ALLL / Loans
2.08%
Coverage
80.0%
True Loss Coverage
51.0%
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