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Pocahontas State Bank

IDRSSD: 402846
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
58
/ 100
WatchAs of 2023-Q4QoQ -21

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

Quarterly Headline

2023-Q4

Bank #402846 2023-Q4 Vital Signs Score: 58/100 — overall watch. Strongest pillar: Liquidity (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.64% of loans.
  3. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.80% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2023:
↓ -21 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    ↓ -2
  • Capitalization
    ↓ -50
  • Asset Quality
    ↓ -20
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +6
82
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 42.9%, cash 1.8% of assets.

Cash / Assets
1.80%
Loans / Deposits
42.91%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.80% of assets (threshold 3%).

Securities

RiskQoQ -2
11
Sub-score

Securities profile is weak: securities 46.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
46.64%
No watch items at this period.

Capitalization

WatchQoQ -50
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 25.09%.

Tier 1 RBC
—
CET1
0.00%
Leverage
25.09%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StableQoQ -20
80
Sub-score

Asset quality is stable: Adjusted NPL 0.89%, Texas Ratio 1.1%, NCO YTD 2.64%.

Adjusted NPL
0.89%
Govt-guarantees stripped
Texas Ratio
1.1%
NCO YTD
2.64%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 2.64% of loans.

Reserves

Watch
50
Sub-score

Reserves are deteriorating: ALLL 0.82% of loans, coverage 92.3%, true coverage 92.3%.

ALLL / Loans
0.82%
Coverage
92.3%
True Loss Coverage
92.3%
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: 2026-05-13 01:37:41 UTC