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The State Bank Of Pearl City

IDRSSD: 923949
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2024-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

2024-Q3

Bank #923949 2024-Q3 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Capitalization (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.44% of loans.

What changed this quarter

Compared to Q2 2024:
↓ -3 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↓ -9
  • Reserves
    — —

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 48.0%, cash 22.5% of assets.

Cash / Assets
22.48%
Loans / Deposits
48.01%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.40%
No watch items at this period.

Capitalization

RiskQoQ -4
39
Sub-score

Capital position is weak: CET1 0.00%, leverage 8.73%.

Tier 1 RBC
—
CET1
0.00%
Leverage
8.73%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StableQoQ -9
77
Sub-score

Asset quality is stable: Adjusted NPL 0.59%, Texas Ratio 2.4%, NCO YTD 1.44%.

Adjusted NPL
0.59%
Govt-guarantees stripped
Texas Ratio
2.4%
NCO YTD
1.44%
30-89 PD
1.55%
Band 0.3% / 3.0%
90+ PD
0.40%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.44% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 1.82% of loans, coverage 315.1%, true coverage 315.1%.

ALLL / Loans
1.82%
Coverage
315.1%
True Loss Coverage
315.1%
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: 2026-05-15 02:35:27 UTC