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Pocahontas State Bank

IDRSSD: 402846
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
61
/ 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 #402846 2024-Q1 Vital Signs Score: 61/100 — overall stable. Strongest pillar: Asset Quality (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.81% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2023:
↑ +3 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    ↑ +9
  • Capitalization
    — —
  • Asset Quality
    ↑ +14
  • Reserves
    ↓ -13

The five pillars

Liquidity

StrongQoQ -2
80
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 40.5%, cash 0.8% of assets.

Cash / Assets
0.81%
Loans / Deposits
40.52%
Brokered %
0.00%

Watch Items

  • riskCash / Assets below 3% — Cash 0.81% of assets (threshold 3%).

Securities

RiskQoQ +9
20
Sub-score

Securities profile is weak: securities 43.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
43.95%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 25.23%.

Tier 1 RBC
—
CET1
0.00%
Leverage
25.23%

Watch Items

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

Asset Quality

StrongQoQ +14
94
Sub-score

Asset quality is strong: Adjusted NPL 1.07%, Texas Ratio 1.3%, NCO YTD -0.01%.

Adjusted NPL
1.07%
Govt-guarantees stripped
Texas Ratio
1.3%
NCO YTD
-0.01%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.20%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -13
37
Sub-score

Reserves are weak: ALLL 0.80% of loans, coverage 75.3%, true coverage 75.3%.

ALLL / Loans
0.80%
Coverage
75.3%
True Loss Coverage
75.3%
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