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Piermont Bank

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

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2025-Q1QoQ -9

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

Quarterly Headline

2025-Q1

Bank #5342974 2025-Q1 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.54% (govt-guarantees stripped).
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 47.1% (regulatory soft-warning level 50%).
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 47.1% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q4 2024:
↓ -9 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -24
  • Reserves
    ↓ -19

The five pillars

Liquidity

StableQoQ -1
77
Sub-score

Liquidity is stable: brokered 26.0%, loans/deposits 81.5%, cash 19.5% of assets.

Cash / Assets
19.46%
Loans / Deposits
81.49%
Brokered %
26.01%
No watch items at this period.

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 20.21%, CET1 13.65%, leverage 13.45%.

Tier 1 RBC
20.21%
CET1
13.65%
Leverage
13.45%
No watch items at this period.

Asset Quality

StableQoQ -24
62
Sub-score

Asset quality is stable: Adjusted NPL 3.54%, Texas Ratio 14.4%, NCO YTD 0.85%.

Adjusted NPL
3.54%
Govt-guarantees stripped
Texas Ratio
14.4%
NCO YTD
0.85%
30-89 PD
1.19%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.54% (govt-guarantees stripped).

Reserves

WatchQoQ -19
41
Sub-score

Reserves are deteriorating: ALLL 1.64% of loans, coverage 47.1%, true coverage 47.1%.

ALLL / Loans
1.64%
Coverage
47.1%
True Loss Coverage
47.1%

Watch Items

  • infoALLL / NPL below 50% — Coverage 47.1% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 47.1% (Adjusted NPL + Performing Mods denominator).

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