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Pbt Bancorp

IDRSSD: 814711
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
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
80
/ 100
StableAs of 2023-Q4QoQ -8

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 #814711 2023-Q4 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 36.9% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2023:
↓ -8 ptscomposite
  • Liquidity
    ↑ +12
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↓ -15
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +12
94
Sub-score

Liquidity is strong: brokered 1.7%, loans/deposits 78.1%, cash 9.6% of assets.

Cash / Assets
9.62%
Loans / Deposits
78.13%
Brokered %
1.66%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.74%
No watch items at this period.

Capitalization

StableQoQ +4
76
Sub-score

Capital position is stable: Tier 1 RBC 11.92%, CET1 11.92%, leverage 8.43%.

Tier 1 RBC
11.92%
CET1
11.92%
Leverage
8.43%
No watch items at this period.

Asset Quality

StrongQoQ -15
85
Sub-score

Asset quality is strong: Adjusted NPL 1.65%, Texas Ratio 12.8%, NCO YTD 0.06%.

Adjusted NPL
1.65%
Govt-guarantees stripped
Texas Ratio
12.8%
NCO YTD
0.06%
30-89 PD
0.98%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Risk
36
Sub-score

Reserves are weak: ALLL 1.28% of loans, coverage 78.6%, true coverage 36.9%.

ALLL / Loans
1.28%
Coverage
78.6%
True Loss Coverage
36.9%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 36.9% (Adjusted NPL + Performing Mods denominator).

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 14:54:06 UTC