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Pocahontas State Bank

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

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
72
/ 100
StableAs of 2026-Q1QoQ +1

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

Quarterly Headline

2026-Q1

Bank #402846 2026-Q1 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Asset Quality (strong). Weakest pillar: Securities (watch).

Liquidity:Strong
Securities:Watch
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 1.95% of assets (threshold 3%).
  3. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.71% of loans.

What changed this quarter

Compared to Q4 2025:
↑ +1 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    ↑ +9
  • Capitalization
    — —
  • Asset Quality
    — —
  • Reserves
    ↑ 0

The five pillars

Liquidity

StrongQoQ 0
82
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 45.9%, cash 2.0% of assets.

Cash / Assets
1.95%
Loans / Deposits
45.94%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.95% of assets (threshold 3%).

Securities

WatchQoQ +9
48
Sub-score

Securities profile is deteriorating: securities 35.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
35.64%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 26.18%.

Tier 1 RBC
—
CET1
0.00%
Leverage
26.18%

Watch Items

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

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.05%, Texas Ratio 0.1%, NCO YTD -0.01%.

Adjusted NPL
0.05%
Govt-guarantees stripped
Texas Ratio
0.1%
NCO YTD
-0.01%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.05%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ 0
74
Sub-score

Reserves are stable: ALLL 0.71% of loans, coverage 1381.8%, true coverage 1381.8%.

ALLL / Loans
0.71%
Coverage
1381.8%
True Loss Coverage
1381.8%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.71% 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