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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 — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2025-Q2QoQ +3

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

Quarterly Headline

2025-Q2

Bank #897170 2025-Q2 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 119.3% (threshold 100%).

What changed this quarter

Compared to Q1 2025:
↑ +3 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +6
  • Reserves
    ↑ +8

The five pillars

Liquidity

StableQoQ 0
64
Sub-score

Liquidity is stable: brokered 3.4%, loans/deposits 119.3%, cash 4.0% of assets.

Cash / Assets
4.04%
Loans / Deposits
119.29%
Brokered %
3.38%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 119.3% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 10.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
10.81%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 20.15%, CET1 20.15%, leverage 15.99%.

Tier 1 RBC
20.15%
CET1
20.15%
Leverage
15.99%
No watch items at this period.

Asset Quality

StrongQoQ +6
95
Sub-score

Asset quality is strong: Adjusted NPL 1.01%, Texas Ratio 4.8%, NCO YTD 0.04%.

Adjusted NPL
1.01%
Govt-guarantees stripped
Texas Ratio
4.8%
NCO YTD
0.04%
30-89 PD
0.34%
Band 0.3% / 3.0%
90+ PD
0.04%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +8
51
Sub-score

Reserves are deteriorating: ALLL 0.97% of loans, coverage 97.2%, true coverage 81.9%.

ALLL / Loans
0.97%
Coverage
97.2%
True Loss Coverage
81.9%
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