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Piermont Bank

IDRSSD: 5342974
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 5 alerts active.

Summary

RSSD 5342974 held $474.4M in total assets as of 2026-03-31 (-8.7% quarter-over-quarter). Total loans stood at $301.8M (+4.0% QoQ) and total deposits at $365.1M (-8.1% QoQ).

Overall position is adequate — the composite Health Score is 41/100 (Adequate). Tier 1 / RWA stands at 18.57%, in the top quartile of peers. Asset quality (NPL ratio) sits in the below median of peers.

5 Quarterly Anomaly Alerts fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
41/100
Adequate
Active Alerts
5
0 critical, 3 warning
Total Assets
$474.4M
-8.7% QoQ
Total Loans
$301.8M
+4.0% QoQ
Total Deposits
$365.1M
-8.1% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
18.57%
77th pctile · n=297↑ better
-110 bp QoQ
CET1 / RWA
12.03%
54th pctile · n=500↑ better
-96 bp QoQ
Total RBC / RWA
19.40%
75th pctile · n=297↑ better
-101 bp QoQ
Tier 1 Leverage Ratio
18.57%
86th pctile · n=500↑ better
-110 bp QoQ

Liquidity

Cash / Assets
16.52%
89th pctile · n=500↑ better
-824 bp QoQ
Loans / Deposits
82.67%
54th pctile · n=498↓ better
+962 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
0.53%
57th pctile · n=500↓ better
-2 bp QoQ
NPA / Assets
0.34%
53th pctile · n=500↓ better
+3 bp QoQ
Texas Ratio (regulatory)
2.42%
49th pctile · n=500↓ better
+7 bp QoQ
Net Charge-Offs / Avg Loans
-0.02%
9th pctile · n=500↓ better
-389 bp QoQ
ALLL Coverage of NPL
175.75%
46th pctile · n=500↑ better
+2144 bp QoQ

Earnings

Net Interest Margin
2.16%
1th pctile · n=500↑ better
+10 bp QoQ
Return on Assets
-1.95%
1th pctile · n=500↑ better
-47 bp QoQ
Return on Equity
-15.97%
1th pctile · n=500↑ better
-397 bp QoQ
Efficiency Ratio
166.88%
100th pctile · n=500↓ better
+2499 bp QoQ
Pre-tax NOI / Avg Assets
-1.91%
1th pctile · n=500↑ better
-47 bp QoQ

Funding

Brokered / Deposits
17.48%
95th pctile · n=498↓ better
-717 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
9.64%
87th pctile · n=500↓ better
-128 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
16.59%
50th pctile · n=500↑ better
+66 bp QoQ
AFS Securities / Assets
16.59%
58th pctile · n=500↑ better
+66 bp QoQ
HTM Securities / Assets
0.00%
32th pctile · n=500↑ better

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-14 11:10:11 UTC