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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 — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
64
/ 100
StableAs of 2025-Q3QoQ -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-Q3

Bank #454658 2025-Q3 Vital Signs Score: 64/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.72% (govt-guarantees stripped).
  2. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.86% of loans.
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 26.7% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q2 2025:
↓ -3 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -9
  • Reserves
    ↓ -2

The five pillars

Liquidity

StrongQoQ -5
84
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 66.7%, cash 2.6% of assets.

Cash / Assets
2.64%
Loans / Deposits
66.73%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.64% 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

StableQoQ +2
69
Sub-score

Capital position is stable: Tier 1 RBC 11.44%, CET1 11.44%, leverage 8.97%.

Tier 1 RBC
11.44%
CET1
11.44%
Leverage
8.97%
No watch items at this period.

Asset Quality

WatchQoQ -9
40
Sub-score

Asset quality is deteriorating: Adjusted NPL 5.72%, Texas Ratio 35.5%, NCO YTD 2.86%.

Adjusted NPL
5.72%
Govt-guarantees stripped
Texas Ratio
35.5%
NCO YTD
2.86%
30-89 PD
1.14%
Band 0.3% / 3.0%
90+ PD
0.06%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.72% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 2.86% of loans.

Reserves

RiskQoQ -2
33
Sub-score

Reserves are weak: ALLL 1.51% of loans, coverage 26.8%, true coverage 26.7%.

ALLL / Loans
1.51%
Coverage
26.8%
True Loss Coverage
26.7%

Watch Items

  • watchALLL / NPL below 50% — Coverage 26.8% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 26.7% (Adjusted NPL + Performing Mods denominator).

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