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Pilgrim Bank

IDRSSD: 911160
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
87
/ 100
StrongAs of 2025-Q4QoQ +1

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

Quarterly Headline

2025-Q4

Bank #911160 2025-Q4 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.47% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↑ +1 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +8

The five pillars

Liquidity

StableQoQ -1
71
Sub-score

Liquidity is stable: brokered 5.6%, loans/deposits 81.8%, cash 1.5% of assets.

Cash / Assets
1.47%
Loans / Deposits
81.75%
Brokered %
5.61%

Watch Items

  • watchCash / Assets below 3% — Cash 1.47% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 9.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
9.72%
No watch items at this period.

Capitalization

StrongQoQ -1
96
Sub-score

Capital position is strong: Tier 1 RBC 14.09%, CET1 14.09%, leverage 9.91%.

Tier 1 RBC
14.09%
CET1
14.09%
Leverage
9.91%
No watch items at this period.

Asset Quality

StrongQoQ +1
100
Sub-score

Asset quality is strong: Adjusted NPL 0.42%, Texas Ratio 2.6%, NCO YTD 0.00%.

Adjusted NPL
0.42%
Govt-guarantees stripped
Texas Ratio
2.6%
NCO YTD
0.00%
30-89 PD
0.25%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +8
57
Sub-score

Reserves are deteriorating: ALLL 0.83% of loans, coverage 199.3%, true coverage 56.6%.

ALLL / Loans
0.83%
Coverage
199.3%
True Loss Coverage
56.6%
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: 2026-05-12 16:31:34 UTC