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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 — 2024-Q3

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

Synthesis

Vital Signs Score
87
/ 100
StrongAs of 2024-Q3QoQ 0

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 #897170 2024-Q3 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 115.3% (threshold 100%).

What changed this quarter

Compared to Q2 2024:
↑ 0 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ 0

The five pillars

Liquidity

StableQoQ +4
66
Sub-score

Liquidity is stable: brokered 5.0%, loans/deposits 115.3%, cash 5.2% of assets.

Cash / Assets
5.19%
Loans / Deposits
115.33%
Brokered %
5.00%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 115.3% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 13.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
13.54%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 20.45%, CET1 20.45%, leverage 16.19%.

Tier 1 RBC
20.45%
CET1
20.45%
Leverage
16.19%
No watch items at this period.

Asset Quality

StrongQoQ -3
93
Sub-score

Asset quality is strong: Adjusted NPL 0.78%, Texas Ratio 3.4%, NCO YTD 0.17%.

Adjusted NPL
0.78%
Govt-guarantees stripped
Texas Ratio
3.4%
NCO YTD
0.17%
30-89 PD
0.82%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ 0
73
Sub-score

Reserves are stable: ALLL 1.08% of loans, coverage 139.4%, true coverage 109.9%.

ALLL / Loans
1.08%
Coverage
139.4%
True Loss Coverage
109.9%
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