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Pb And T Bank

IDRSSD: 106452
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
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Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2023-Q4QoQ -11

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

Quarterly Headline

2023-Q4

Bank #106452 2023-Q4 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.33% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2023:
↓ -11 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -16
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -3
79
Sub-score

Liquidity is stable: brokered 1.9%, loans/deposits 81.0%, cash 3.6% of assets.

Cash / Assets
3.58%
Loans / Deposits
80.97%
Brokered %
1.85%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 16.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
16.88%
No watch items at this period.

Capitalization

StrongQoQ +2
100
Sub-score

Capital position is strong: Tier 1 RBC 14.41%, CET1 14.41%, leverage 10.94%.

Tier 1 RBC
14.41%
CET1
14.41%
Leverage
10.94%
No watch items at this period.

Asset Quality

StrongQoQ -16
84
Sub-score

Asset quality is strong: Adjusted NPL 2.33%, Texas Ratio 13.5%, NCO YTD 0.00%.

Adjusted NPL
2.33%
Govt-guarantees stripped
Texas Ratio
13.5%
NCO YTD
0.00%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.33% (govt-guarantees stripped).

Reserves

Watch
47
Sub-score

Reserves are deteriorating: ALLL 1.42% of loans, coverage 61.8%, true coverage 58.0%.

ALLL / Loans
1.42%
Coverage
61.8%
True Loss Coverage
58.0%
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 13:45:09 UTC