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Pbt Bancorp

IDRSSD: 814711
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2024-Q1QoQ -2

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

Quarterly Headline

2024-Q1

Bank #814711 2024-Q1 Vital Signs Score: 77/100 — 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 37.5% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q4 2023:
↓ -2 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↓ -11
  • Asset Quality
    ↑ +2
  • Reserves
    ↑ 0

The five pillars

Liquidity

StrongQoQ 0
94
Sub-score

Liquidity is strong: brokered 1.7%, loans/deposits 78.8%, cash 10.4% of assets.

Cash / Assets
10.44%
Loans / Deposits
78.85%
Brokered %
1.68%
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 -11
65
Sub-score

Capital position is stable: Tier 1 RBC 10.48%, CET1 10.48%, leverage 8.91%.

Tier 1 RBC
10.48%
CET1
10.48%
Leverage
8.91%
No watch items at this period.

Asset Quality

StrongQoQ +2
87
Sub-score

Asset quality is strong: Adjusted NPL 1.54%, Texas Ratio 11.8%, NCO YTD 0.12%.

Adjusted NPL
1.54%
Govt-guarantees stripped
Texas Ratio
11.8%
NCO YTD
0.12%
30-89 PD
0.87%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ 0
36
Sub-score

Reserves are weak: ALLL 1.25% of loans, coverage 82.2%, true coverage 37.5%.

ALLL / Loans
1.25%
Coverage
82.2%
True Loss Coverage
37.5%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 37.5% (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