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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-Q3

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

Synthesis

Vital Signs Score
68
/ 100
StableAs of 2024-Q3QoQ +4

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 #402846 2024-Q3 Vital Signs Score: 68/100 — overall stable. Strongest pillar: Asset Quality (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).

What changed this quarter

Compared to Q2 2024:
↑ +4 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    ↑ +14
  • Capitalization
    — —
  • Asset Quality
    ↑ +2
  • Reserves
    ↑ +8

The five pillars

Liquidity

StrongQoQ +1
81
Sub-score

Liquidity is strong: brokered 5.2%, loans/deposits 40.2%, cash 3.2% of assets.

Cash / Assets
3.23%
Loans / Deposits
40.16%
Brokered %
5.18%
No watch items at this period.

Securities

RiskQoQ +14
34
Sub-score

Securities profile is weak: securities 39.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
39.67%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 26.05%.

Tier 1 RBC
—
CET1
0.00%
Leverage
26.05%

Watch Items

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

Asset Quality

StrongQoQ +2
99
Sub-score

Asset quality is strong: Adjusted NPL 0.57%, Texas Ratio 0.7%, NCO YTD 0.00%.

Adjusted NPL
0.57%
Govt-guarantees stripped
Texas Ratio
0.7%
NCO YTD
0.00%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +8
61
Sub-score

Reserves are stable: ALLL 0.76% of loans, coverage 134.3%, true coverage 134.3%.

ALLL / Loans
0.76%
Coverage
134.3%
True Loss Coverage
134.3%
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