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The Pauls Valley National Bank

IDRSSD: 454658
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
85
/ 100
StrongAs of 2024-Q1QoQ -5

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

Quarterly Headline

2024-Q1

Bank #454658 2024-Q1 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.70% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2023:
↓ -5 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↓ -7
  • Asset Quality
    ↓ -10
  • Reserves
    ↑ +4

The five pillars

Liquidity

StrongQoQ -4
84
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 58.4%, cash 2.7% of assets.

Cash / Assets
2.70%
Loans / Deposits
58.37%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.70% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StrongQoQ -7
86
Sub-score

Capital position is strong: Tier 1 RBC 12.49%, CET1 12.49%, leverage 9.15%.

Tier 1 RBC
12.49%
CET1
12.49%
Leverage
9.15%
No watch items at this period.

Asset Quality

StrongQoQ -10
81
Sub-score

Asset quality is strong: Adjusted NPL 0.69%, Texas Ratio 3.9%, NCO YTD -0.01%.

Adjusted NPL
0.69%
Govt-guarantees stripped
Texas Ratio
3.9%
NCO YTD
-0.01%
30-89 PD
4.68%
Band 0.3% / 3.0%
90+ PD
0.04%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +4
78
Sub-score

Reserves are stable: ALLL 1.15% of loans, coverage 169.5%, true coverage 92.4%.

ALLL / Loans
1.15%
Coverage
169.5%
True Loss Coverage
92.4%
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 16:33:04 UTC