Liquidity
StrongQoQ 0
86
Sub-score
Liquidity is strong: brokered 0.0%, loans/deposits 65.0%, cash 3.5% of assets.
- Cash / Assets
- 3.53%
- Loans / Deposits
- 64.99%
- Brokered %
- 0.00%
No watch items at this period.
Patrons Bank National Association
IDRSSD: 634955
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
89
/ 100
StrongAs of 2024-Q4QoQ -4
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 #634955 2024-Q4 Vital Signs Score: 89/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).
Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Stable
Reserves:Strong
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q3 2024:
↓ -4 ptscomposite
- Liquidity↑ 0
- Securities— —
- Capitalization↓ 0
- Asset Quality↓ -15
- Reserves↓ -1
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 1.0% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 1.00%
SVB watch metric
No watch items at this period.
Capitalization
StrongQoQ 0
100
Sub-score
Capital position is strong: Tier 1 RBC 14.62%, CET1 14.62%, leverage 11.61%.
- Tier 1 RBC
- 14.62%
- CET1
- 14.62%
- Leverage
- 11.61%
No watch items at this period.
Asset Quality
StableQoQ -15
76
Sub-score
Asset quality is stable: Adjusted NPL 1.34%, Texas Ratio 6.1%, NCO YTD -0.63%.
- Adjusted NPL
- 1.34%
- Texas Ratio
- 6.1%
- NCO YTD
- -0.63%
- 30-89 PD
- 3.00%
- 90+ PD
- 0.14%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StrongQoQ -1
84
Sub-score
Reserves are strong: ALLL 1.70% of loans, coverage 129.1%, true coverage 119.3%.
- ALLL / Loans
- 1.70%
- Coverage
- 129.1%
- True Loss Coverage
- 119.3%
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.tsfor 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: 2026-05-13 16:32:51 UTC