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Pbt Bancorp

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

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
74
/ 100
StableAs of 2025-Q1QoQ 0

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

Quarterly Headline

2025-Q1

Bank #814711 2025-Q1 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 46.2% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q4 2024:
↑ 0 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↑ +5
  • Reserves
    ↑ +5

The five pillars

Liquidity

StrongQoQ -2
90
Sub-score

Liquidity is strong: brokered 6.5%, loans/deposits 80.6%, cash 9.7% of assets.

Cash / Assets
9.74%
Loans / Deposits
80.61%
Brokered %
6.51%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

WatchQoQ -5
55
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.27%, CET1 10.27%, leverage 8.85%.

Tier 1 RBC
10.27%
CET1
10.27%
Leverage
8.85%
No watch items at this period.

Asset Quality

StrongQoQ +5
88
Sub-score

Asset quality is strong: Adjusted NPL 1.62%, Texas Ratio 12.7%, NCO YTD 0.01%.

Adjusted NPL
1.62%
Govt-guarantees stripped
Texas Ratio
12.7%
NCO YTD
0.01%
30-89 PD
0.55%
Band 0.3% / 3.0%
90+ PD
0.16%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +5
35
Sub-score

Reserves are weak: ALLL 1.17% of loans, coverage 73.3%, true coverage 46.2%.

ALLL / Loans
1.17%
Coverage
73.3%
True Loss Coverage
46.2%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 46.2% (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