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Ponce Bank National Association

IDRSSD: 897170
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
89
/ 100
StrongAs of 2023-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

2023-Q4

Bank #897170 2023-Q4 Vital Signs Score: 89/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 124.4% (threshold 100%).

What changed this quarter

Compared to Q3 2023:
↓ -2 ptscomposite
  • Liquidity
    ↓ -14
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +8
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -14
65
Sub-score

Liquidity is stable: brokered 6.6%, loans/deposits 124.4%, cash 5.1% of assets.

Cash / Assets
5.10%
Loans / Deposits
124.39%
Brokered %
6.59%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 124.4% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 17.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
16.99%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 22.05%, CET1 22.05%, leverage 17.49%.

Tier 1 RBC
22.05%
CET1
22.05%
Leverage
17.49%
No watch items at this period.

Asset Quality

StrongQoQ +8
95
Sub-score

Asset quality is strong: Adjusted NPL 0.90%, Texas Ratio 3.5%, NCO YTD 0.24%.

Adjusted NPL
0.90%
Govt-guarantees stripped
Texas Ratio
3.5%
NCO YTD
0.24%
30-89 PD
0.16%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
85
Sub-score

Reserves are strong: ALLL 1.35% of loans, coverage 153.2%, true coverage 117.5%.

ALLL / Loans
1.35%
Coverage
153.2%
True Loss Coverage
117.5%
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 09:49:38 UTC