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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-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
66
/ 100
StableAs of 2024-Q4QoQ -2

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

Quarterly Headline

2024-Q4

Bank #402846 2024-Q4 Vital Signs Score: 66/100 — 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%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.45% of assets (threshold 3%).
  3. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.74% of loans.

What changed this quarter

Compared to Q3 2024:
↓ -2 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    ↓ -3
  • Capitalization
    — —
  • Asset Quality
    ↓ -7
  • Reserves
    ↓ 0

The five pillars

Liquidity

StrongQoQ 0
81
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 42.5%, cash 1.5% of assets.

Cash / Assets
1.45%
Loans / Deposits
42.52%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.45% of assets (threshold 3%).

Securities

RiskQoQ -3
32
Sub-score

Securities profile is weak: securities 40.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
40.52%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 24.68%.

Tier 1 RBC
—
CET1
0.00%
Leverage
24.68%

Watch Items

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

Asset Quality

StrongQoQ -7
92
Sub-score

Asset quality is strong: Adjusted NPL 0.56%, Texas Ratio 0.7%, NCO YTD -0.01%.

Adjusted NPL
0.56%
Govt-guarantees stripped
Texas Ratio
0.7%
NCO YTD
-0.01%
30-89 PD
1.42%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ 0
60
Sub-score

Reserves are stable: ALLL 0.74% of loans, coverage 134.8%, true coverage 134.8%.

ALLL / Loans
0.74%
Coverage
134.8%
True Loss Coverage
134.8%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.74% of loans.

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