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Pbt Bancorp

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

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
72
/ 100
StableAs of 2025-Q3QoQ +2

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

Quarterly Headline

2025-Q3

Bank #814711 2025-Q3 Vital Signs Score: 72/100 — 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. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 43.3% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q2 2025:
↑ +2 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↑ +14
  • Asset Quality
    ↓ -5
  • Reserves
    ↓ -4

The five pillars

Liquidity

StrongQoQ +3
81
Sub-score

Liquidity is strong: brokered 3.1%, loans/deposits 84.5%, cash 5.6% of assets.

Cash / Assets
5.58%
Loans / Deposits
84.54%
Brokered %
3.11%
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

StableQoQ +14
66
Sub-score

Capital position is stable: Tier 1 RBC 11.30%, CET1 11.30%, leverage 8.81%.

Tier 1 RBC
11.30%
CET1
11.30%
Leverage
8.81%
No watch items at this period.

Asset Quality

StrongQoQ -5
82
Sub-score

Asset quality is strong: Adjusted NPL 1.74%, Texas Ratio 14.1%, NCO YTD 0.06%.

Adjusted NPL
1.74%
Govt-guarantees stripped
Texas Ratio
14.1%
NCO YTD
0.06%
30-89 PD
1.35%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -4
28
Sub-score

Reserves are weak: ALLL 1.06% of loans, coverage 62.0%, true coverage 43.3%.

ALLL / Loans
1.06%
Coverage
62.0%
True Loss Coverage
43.3%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 43.3% (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