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Pioneer Bank

IDRSSD: 606176
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
73
/ 100
StableAs of 2024-Q3QoQ -6

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 #606176 2024-Q3 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 33.9% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 36.1% (regulatory soft-warning level 50%).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.19% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2024:
↓ -6 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -27
  • Reserves
    ↑ +2

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 60.8%, cash 13.8% of assets.

Cash / Assets
13.78%
Loans / Deposits
60.82%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.28%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 17.73%, CET1 17.73%, leverage 10.97%.

Tier 1 RBC
17.73%
CET1
17.73%
Leverage
10.97%
No watch items at this period.

Asset Quality

RiskQoQ -27
29
Sub-score

Asset quality is weak: Adjusted NPL 4.19%, Texas Ratio 16.8%, NCO YTD 2.07%.

Adjusted NPL
4.19%
Govt-guarantees stripped
Texas Ratio
16.8%
NCO YTD
2.07%
30-89 PD
2.28%
Band 0.3% / 3.0%
90+ PD
1.28%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.19% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.28%.
  • watchNet charge-offs elevated — NCO YTD 2.07% of loans.

Reserves

RiskQoQ +2
35
Sub-score

Reserves are weak: ALLL 1.49% of loans, coverage 36.1%, true coverage 33.9%.

ALLL / Loans
1.49%
Coverage
36.1%
True Loss Coverage
33.9%

Watch Items

  • watchALLL / NPL below 50% — Coverage 36.1% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 33.9% (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: 2026-05-13 06:25:12 UTC