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Piermont Bank

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

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
86
/ 100
StrongAs of 2024-Q4QoQ +11

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q4

Bank #5342974 2024-Q4 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. info
    Brokered deposits above 30%
    Liquidity — Brokered 30.3% of deposits (threshold 30%).
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.25% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2024:
↑ +11 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +23
  • Reserves
    ↑ +33

The five pillars

Liquidity

StableQoQ 0
78
Sub-score

Liquidity is stable: brokered 30.3%, loans/deposits 74.8%, cash 28.3% of assets.

Cash / Assets
28.34%
Loans / Deposits
74.77%
Brokered %
30.30%

Watch Items

  • infoBrokered deposits above 30% — Brokered 30.3% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 20.19%, CET1 13.74%, leverage 12.66%.

Tier 1 RBC
20.19%
CET1
13.74%
Leverage
12.66%
No watch items at this period.

Asset Quality

StrongQoQ +23
85
Sub-score

Asset quality is strong: Adjusted NPL 2.25%, Texas Ratio 9.1%, NCO YTD 0.00%.

Adjusted NPL
2.25%
Govt-guarantees stripped
Texas Ratio
9.1%
NCO YTD
0.00%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.25% (govt-guarantees stripped).

Reserves

StableQoQ +33
61
Sub-score

Reserves are stable: ALLL 1.67% of loans, coverage 75.7%, true coverage 75.7%.

ALLL / Loans
1.67%
Coverage
75.7%
True Loss Coverage
75.7%
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 11:09:43 UTC