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Pillar Bank

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

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StrongAs of 2024-Q3QoQ 0

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

Quarterly Headline

2024-Q3

Bank #143952 2024-Q3 Vital Signs Score: 80/100 — overall strong. 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
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.67% (govt-guarantees stripped).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.62% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2024:
↑ 0 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -4
  • Reserves
    ↑ +3

The five pillars

Liquidity

StableQoQ 0
79
Sub-score

Liquidity is stable: brokered 2.3%, loans/deposits 76.1%, cash 2.6% of assets.

Cash / Assets
2.62%
Loans / Deposits
76.13%
Brokered %
2.31%

Watch Items

  • infoCash / Assets below 3% — Cash 2.62% 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
8.93%
No watch items at this period.

Capitalization

StrongQoQ +2
93
Sub-score

Capital position is strong: Tier 1 RBC 13.74%, CET1 13.74%, leverage 9.31%.

Tier 1 RBC
13.74%
CET1
13.74%
Leverage
9.31%
No watch items at this period.

Asset Quality

StableQoQ -4
75
Sub-score

Asset quality is stable: Adjusted NPL 2.67%, Texas Ratio 14.9%, NCO YTD -0.01%.

Adjusted NPL
2.67%
Govt-guarantees stripped
Texas Ratio
14.9%
NCO YTD
-0.01%
30-89 PD
1.16%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.67% (govt-guarantees stripped).

Reserves

WatchQoQ +3
51
Sub-score

Reserves are deteriorating: ALLL 1.64% of loans, coverage 62.2%, true coverage 62.2%.

ALLL / Loans
1.64%
Coverage
62.2%
True Loss Coverage
62.2%
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