Visbanking Logo
Skip to main content

Providence Bank

IDRSSD: 3404506
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
85
/ 100
StrongAs of 2024-Q3QoQ +1

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 #3404506 2024-Q3 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q2 2024:
↑ +1 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↑ +5
  • Asset Quality
    — —
  • Reserves
    ↓ 0

The five pillars

Liquidity

WatchQoQ 0
58
Sub-score

Liquidity is deteriorating: brokered 18.2%, loans/deposits 98.7%, cash 3.1% of assets.

Cash / Assets
3.12%
Loans / Deposits
98.73%
Brokered %
18.17%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.57%
No watch items at this period.

Capitalization

StrongQoQ +5
84
Sub-score

Capital position is strong: Tier 1 RBC 12.53%, CET1 12.53%, leverage 11.19%.

Tier 1 RBC
12.53%
CET1
12.53%
Leverage
11.19%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.10%, Texas Ratio 0.7%, NCO YTD 0.00%.

Adjusted NPL
0.10%
Govt-guarantees stripped
Texas Ratio
0.7%
NCO YTD
0.00%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ 0
80
Sub-score

Reserves are strong: ALLL 0.91% of loans, coverage 956.6%, true coverage 956.6%.

ALLL / Loans
0.91%
Coverage
956.6%
True Loss Coverage
956.6%
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 08:33:20 UTC