Liquidity
StableQoQ -3
73
Sub-score
Liquidity is stable: brokered 0.0%, loans/deposits 93.0%, cash 3.1% of assets.
- Cash / Assets
- 3.07%
- Loans / Deposits
- 92.98%
- Brokered %
- 0.00%
No watch items at this period.
Pendleton Community Bank Inc
IDRSSD: 370020
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
77
/ 100
StableAs of 2025-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
2025-Q2
Bank #370020 2025-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 2025:
↓ 0 ptscomposite
- Liquidity↓ -3
- Securities— —
- Capitalization↓ -1
- Asset Quality↓ 0
- Reserves↑ +5
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 0.8% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 0.84%
SVB watch metric
No watch items at this period.
Capitalization
WatchQoQ -1
56
Sub-score
Capital position is deteriorating: Tier 1 RBC 10.63%, CET1 10.63%, leverage 8.20%.
- Tier 1 RBC
- 10.63%
- CET1
- 10.63%
- Leverage
- 8.20%
No watch items at this period.
Asset Quality
StrongQoQ 0
95
Sub-score
Asset quality is strong: Adjusted NPL 0.65%, Texas Ratio 5.8%, NCO YTD 0.26%.
- Adjusted NPL
- 0.65%
- Texas Ratio
- 5.8%
- NCO YTD
- 0.26%
- 30-89 PD
- 0.69%
- 90+ PD
- 0.04%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StableQoQ +5
63
Sub-score
Reserves are stable: ALLL 0.87% of loans, coverage 135.0%, true coverage 97.4%.
- ALLL / Loans
- 0.87%
- Coverage
- 135.0%
- True Loss Coverage
- 97.4%
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: 2026-05-14 13:21:09 UTC