Visbanking Logo
Skip to main content

The Park Bank

IDRSSD: 403946
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
84
/ 100
StrongAs of 2023-Q4QoQ -4

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 #403946 2023-Q4 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 111.2% (threshold 100%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.94% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2023:
↓ -4 ptscomposite
  • Liquidity
    ↓ -14
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    — —
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -14
61
Sub-score

Liquidity is stable: brokered 0.9%, loans/deposits 111.2%, cash 1.9% of assets.

Cash / Assets
1.94%
Loans / Deposits
111.22%
Brokered %
0.94%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 111.2% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.94% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.36%
No watch items at this period.

Capitalization

StableQoQ -5
75
Sub-score

Capital position is stable: Tier 1 RBC 10.96%, CET1 10.96%, leverage 9.79%.

Tier 1 RBC
10.96%
CET1
10.96%
Leverage
9.79%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.06%, Texas Ratio 0.5%, NCO YTD 0.01%.

Adjusted NPL
0.06%
Govt-guarantees stripped
Texas Ratio
0.5%
NCO YTD
0.01%
30-89 PD
0.02%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
89
Sub-score

Reserves are strong: ALLL 1.18% of loans, coverage 1872.8%, true coverage 443.7%.

ALLL / Loans
1.18%
Coverage
1872.8%
True Loss Coverage
443.7%
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: 2026-05-12 21:30:43 UTC