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Platinum Bank

IDRSSD: 3538009
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
73
/ 100
StableAs 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 #3538009 2024-Q1 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 109.2% (threshold 100%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.46% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2023:
↓ -5 ptscomposite
  • Liquidity
    ↓ -6
  • Securities
    — —
  • Capitalization
    ↓ -8
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -9

The five pillars

Liquidity

WatchQoQ -6
51
Sub-score

Liquidity is deteriorating: brokered 12.5%, loans/deposits 109.2%, cash 1.5% of assets.

Cash / Assets
1.46%
Loans / Deposits
109.19%
Brokered %
12.46%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 109.2% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.46% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.58%
No watch items at this period.

Capitalization

StableQoQ -8
69
Sub-score

Capital position is stable: Tier 1 RBC 10.90%, CET1 10.90%, leverage 8.88%.

Tier 1 RBC
10.90%
CET1
10.90%
Leverage
8.88%
No watch items at this period.

Asset Quality

StrongQoQ -1
90
Sub-score

Asset quality is strong: Adjusted NPL 1.53%, Texas Ratio 13.7%, NCO YTD 0.00%.

Adjusted NPL
1.53%
Govt-guarantees stripped
Texas Ratio
13.7%
NCO YTD
0.00%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -9
53
Sub-score

Reserves are deteriorating: ALLL 1.19% of loans, coverage 78.8%, true coverage 78.8%.

ALLL / Loans
1.19%
Coverage
78.8%
True Loss Coverage
78.8%
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 09:05:38 UTC