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Pointbank

IDRSSD: 844567
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
84
/ 100
StrongAs of 2026-Q1QoQ -10

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 #844567 2026-Q1 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.09% of assets (threshold 3%).
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.01% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2025:
↓ -10 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -15
  • Reserves
    ↓ -37

The five pillars

Liquidity

StrongQoQ -3
80
Sub-score

Liquidity is strong: brokered 3.5%, loans/deposits 55.4%, cash 2.1% of assets.

Cash / Assets
2.09%
Loans / Deposits
55.37%
Brokered %
3.50%

Watch Items

  • infoCash / Assets below 3% — Cash 2.09% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.84%
No watch items at this period.

Capitalization

StrongQoQ -1
97
Sub-score

Capital position is strong: Tier 1 RBC 15.57%, CET1 15.57%, leverage 9.17%.

Tier 1 RBC
15.57%
CET1
15.57%
Leverage
9.17%
No watch items at this period.

Asset Quality

StableQoQ -15
79
Sub-score

Asset quality is stable: Adjusted NPL 2.01%, Texas Ratio 9.8%, NCO YTD 0.13%.

Adjusted NPL
2.01%
Govt-guarantees stripped
Texas Ratio
9.8%
NCO YTD
0.13%
30-89 PD
1.56%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.01% (govt-guarantees stripped).

Reserves

StableQoQ -37
63
Sub-score

Reserves are stable: ALLL 1.56% of loans, coverage 79.0%, true coverage 78.4%.

ALLL / Loans
1.56%
Coverage
79.0%
True Loss Coverage
78.4%
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: 2026-05-14 06:00:22 UTC