Liquidity
StrongQoQ +7
85
Sub-score
Liquidity is strong: brokered 5.4%, loans/deposits 74.8%, cash 6.2% of assets.
- Cash / Assets
- 6.16%
- Loans / Deposits
- 74.81%
- Brokered %
- 5.44%
No watch items at this period.
Pcsb Bank
IDRSSD: 24006
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2025-Q2
Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
89
/ 100
StrongAs of 2025-Q2QoQ -3
Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.
Quarterly Headline
2025-Q2
Bank #24006 2025-Q2 Vital Signs Score: 89/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).
Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Stable
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q1 2025:
↓ -3 ptscomposite
- Liquidity↑ +7
- Securities— —
- Capitalization↑ +2
- Asset Quality↓ -10
- Reserves↓ -18
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 4.0% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 3.99%
SVB watch metric
No watch items at this period.
Capitalization
StrongQoQ +2
98
Sub-score
Capital position is strong: Tier 1 RBC 14.60%, CET1 14.60%, leverage 9.77%.
- Tier 1 RBC
- 14.60%
- CET1
- 14.60%
- Leverage
- 9.77%
No watch items at this period.
Asset Quality
StrongQoQ -10
85
Sub-score
Asset quality is strong: Adjusted NPL 1.02%, Texas Ratio 6.1%, NCO YTD 0.64%.
- Adjusted NPL
- 1.02%
- Texas Ratio
- 6.1%
- NCO YTD
- 0.64%
- 30-89 PD
- 0.08%
- 90+ PD
- 0.79%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StableQoQ -18
73
Sub-score
Reserves are stable: ALLL 1.21% of loans, coverage 120.8%, true coverage 117.4%.
- ALLL / Loans
- 1.21%
- Coverage
- 120.8%
- True Loss Coverage
- 117.4%
No watch items at this period.
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.tsfor 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: 2026-05-15 03:47:42 UTC