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The Pecos County State Bank

IDRSSD: 396954
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
82
/ 100
StrongAs of 2023-Q4QoQ -7

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 #396954 2023-Q4 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 2.38%.
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.47% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2023:
↓ -7 ptscomposite
  • Liquidity
    ↑ +8
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -11
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +8
88
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 39.3%, cash 4.6% of assets.

Cash / Assets
4.61%
Loans / Deposits
39.30%
Brokered %
0.00%
No watch items at this period.

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

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 21.24%, CET1 21.24%, leverage 10.75%.

Tier 1 RBC
21.24%
CET1
21.24%
Leverage
10.75%
No watch items at this period.

Asset Quality

StableQoQ -11
66
Sub-score

Asset quality is stable: Adjusted NPL 2.47%, Texas Ratio 8.2%, NCO YTD 0.03%.

Adjusted NPL
2.47%
Govt-guarantees stripped
Texas Ratio
8.2%
NCO YTD
0.03%
30-89 PD
0.43%
Band 0.3% / 3.0%
90+ PD
2.38%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.47% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 2.38%.

Reserves

Watch
52
Sub-score

Reserves are deteriorating: ALLL 1.54% of loans, coverage 63.6%, true coverage 63.6%.

ALLL / Loans
1.54%
Coverage
63.6%
True Loss Coverage
63.6%
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 14:33:28 UTC