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Pathfinder Bank

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

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2025-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

2025-Q4

Bank #729310 2025-Q4 Vital Signs Score: 77/100 — 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. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.16% (govt-guarantees stripped).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.20% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -13
  • Reserves
    ↑ +16

The five pillars

Liquidity

StableQoQ -1
75
Sub-score

Liquidity is stable: brokered 8.5%, loans/deposits 73.2%, cash 2.2% of assets.

Cash / Assets
2.20%
Loans / Deposits
73.24%
Brokered %
8.54%

Watch Items

  • infoCash / Assets below 3% — Cash 2.20% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 9.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
9.21%
No watch items at this period.

Capitalization

StrongQoQ -2
90
Sub-score

Capital position is strong: Tier 1 RBC 13.39%, CET1 13.39%, leverage 9.29%.

Tier 1 RBC
13.39%
CET1
13.39%
Leverage
9.29%
No watch items at this period.

Asset Quality

WatchQoQ -13
59
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.16%, Texas Ratio 16.9%, NCO YTD 0.27%.

Adjusted NPL
3.16%
Govt-guarantees stripped
Texas Ratio
16.9%
NCO YTD
0.27%
30-89 PD
2.92%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.16% (govt-guarantees stripped).

Reserves

StableQoQ +16
66
Sub-score

Reserves are stable: ALLL 3.26% of loans, coverage 106.8%, true coverage 71.7%.

ALLL / Loans
3.26%
Coverage
106.8%
True Loss Coverage
71.7%
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