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Pbt Bancorp

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

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2024-Q2QoQ -6

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

Quarterly Headline

2024-Q2

Bank #814711 2024-Q2 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 24.7% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 38.1% (regulatory soft-warning level 50%).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.40% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2024:
↓ -6 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↓ -15
  • Reserves
    ↓ -10

The five pillars

Liquidity

StrongQoQ 0
95
Sub-score

Liquidity is strong: brokered 1.7%, loans/deposits 77.9%, cash 10.3% of assets.

Cash / Assets
10.27%
Loans / Deposits
77.85%
Brokered %
1.68%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.76%
No watch items at this period.

Capitalization

StableQoQ -5
60
Sub-score

Capital position is stable: Tier 1 RBC 10.64%, CET1 10.64%, leverage 8.97%.

Tier 1 RBC
10.64%
CET1
10.64%
Leverage
8.97%
No watch items at this period.

Asset Quality

StableQoQ -15
72
Sub-score

Asset quality is stable: Adjusted NPL 3.40%, Texas Ratio 25.2%, NCO YTD 0.00%.

Adjusted NPL
3.40%
Govt-guarantees stripped
Texas Ratio
25.2%
NCO YTD
0.00%
30-89 PD
0.35%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.40% (govt-guarantees stripped).

Reserves

RiskQoQ -10
26
Sub-score

Reserves are weak: ALLL 1.28% of loans, coverage 38.1%, true coverage 24.7%.

ALLL / Loans
1.28%
Coverage
38.1%
True Loss Coverage
24.7%

Watch Items

  • watchALLL / NPL below 50% — Coverage 38.1% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 24.7% (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