Visbanking Logo
Skip to main content

Pendleton Community Bank Inc

IDRSSD: 370020
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 #370020 2024-Q1 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.99% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2023:
↑ +2 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↑ +5
  • Asset Quality
    ↓ -3
  • Reserves
    ↑ +8

The five pillars

Liquidity

StableQoQ +3
72
Sub-score

Liquidity is stable: brokered 1.6%, loans/deposits 92.4%, cash 3.0% of assets.

Cash / Assets
2.99%
Loans / Deposits
92.37%
Brokered %
1.64%

Watch Items

  • infoCash / Assets below 3% — Cash 2.99% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.34%
No watch items at this period.

Capitalization

WatchQoQ +5
55
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.12%, CET1 10.12%, leverage 7.75%.

Tier 1 RBC
10.12%
CET1
10.12%
Leverage
7.75%
No watch items at this period.

Asset Quality

StrongQoQ -3
91
Sub-score

Asset quality is strong: Adjusted NPL 0.12%, Texas Ratio 1.1%, NCO YTD 0.25%.

Adjusted NPL
0.12%
Govt-guarantees stripped
Texas Ratio
1.1%
NCO YTD
0.25%
30-89 PD
1.58%
Band 0.3% / 3.0%
90+ PD
0.04%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +8
76
Sub-score

Reserves are stable: ALLL 0.77% of loans, coverage 669.5%, true coverage 208.0%.

ALLL / Loans
0.77%
Coverage
669.5%
True Loss Coverage
208.0%
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.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 13:21:09 UTC