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Pendleton Community Bank Inc

IDRSSD: 370020
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
77
/ 100
StableAs of 2024-Q2QoQ 0

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 #370020 2024-Q2 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

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q1 2024:
↓ 0 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ +3
75
Sub-score

Liquidity is stable: brokered 0.9%, loans/deposits 92.5%, cash 4.3% of assets.

Cash / Assets
4.26%
Loans / Deposits
92.49%
Brokered %
0.92%
No watch items at this period.

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
50
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.28%, CET1 10.28%, leverage 7.70%.

Tier 1 RBC
10.28%
CET1
10.28%
Leverage
7.70%
No watch items at this period.

Asset Quality

StrongQoQ +1
92
Sub-score

Asset quality is strong: Adjusted NPL 0.13%, Texas Ratio 1.2%, NCO YTD 0.20%.

Adjusted NPL
0.13%
Govt-guarantees stripped
Texas Ratio
1.2%
NCO YTD
0.20%
30-89 PD
1.47%
Band 0.3% / 3.0%
90+ PD
0.08%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +1
76
Sub-score

Reserves are stable: ALLL 0.78% of loans, coverage 618.9%, true coverage 207.5%.

ALLL / Loans
0.78%
Coverage
618.9%
True Loss Coverage
207.5%
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