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The Park Bank

IDRSSD: 403946
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
86
/ 100
StrongAs of 2025-Q4QoQ +1

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

Quarterly Headline

2025-Q4

Bank #403946 2025-Q4 Vital Signs Score: 86/100 — 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. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 100.5% (threshold 100%).

What changed this quarter

Compared to Q3 2025:
↑ +1 ptscomposite
  • Liquidity
    ↑ +7
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    — —
  • Reserves
    ↓ -2

The five pillars

Liquidity

StableQoQ +7
69
Sub-score

Liquidity is stable: brokered 2.7%, loans/deposits 100.5%, cash 3.9% of assets.

Cash / Assets
3.87%
Loans / Deposits
100.53%
Brokered %
2.71%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 100.5% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.71%
No watch items at this period.

Capitalization

StableQoQ -2
76
Sub-score

Capital position is stable: Tier 1 RBC 11.69%, CET1 11.69%, leverage 10.40%.

Tier 1 RBC
11.69%
CET1
11.69%
Leverage
10.40%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.24%, Texas Ratio 1.8%, NCO YTD 0.01%.

Adjusted NPL
0.24%
Govt-guarantees stripped
Texas Ratio
1.8%
NCO YTD
0.01%
30-89 PD
0.07%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -2
90
Sub-score

Reserves are strong: ALLL 1.20% of loans, coverage 498.2%, true coverage 498.2%.

ALLL / Loans
1.20%
Coverage
498.2%
True Loss Coverage
498.2%
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