Visbanking Logo
Skip to main content

Pillar Bank

IDRSSD: 143952
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StableAs of 2024-Q1QoQ -3

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

Quarterly Headline

2024-Q1

Bank #143952 2024-Q1 Vital Signs Score: 80/100 — 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. info
    Cash / Assets below 3%
    Liquidity — Cash 2.06% of assets (threshold 3%).
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.76% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2023:
↓ -3 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -5
  • Reserves
    ↓ -6

The five pillars

Liquidity

StableQoQ -2
79
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 77.6%, cash 2.1% of assets.

Cash / Assets
2.06%
Loans / Deposits
77.57%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.06% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 8.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
8.89%
No watch items at this period.

Capitalization

StrongQoQ -2
89
Sub-score

Capital position is strong: Tier 1 RBC 12.79%, CET1 12.79%, leverage 9.19%.

Tier 1 RBC
12.79%
CET1
12.79%
Leverage
9.19%
No watch items at this period.

Asset Quality

StableQoQ -5
77
Sub-score

Asset quality is stable: Adjusted NPL 2.76%, Texas Ratio 16.3%, NCO YTD -0.45%.

Adjusted NPL
2.76%
Govt-guarantees stripped
Texas Ratio
16.3%
NCO YTD
-0.45%
30-89 PD
0.69%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.76% (govt-guarantees stripped).

Reserves

WatchQoQ -6
49
Sub-score

Reserves are deteriorating: ALLL 1.59% of loans, coverage 58.5%, true coverage 58.5%.

ALLL / Loans
1.59%
Coverage
58.5%
True Loss Coverage
58.5%
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 02:02:09 UTC