Visbanking Logo
Skip to main content

Platinum Bank

IDRSSD: 3538009
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2024-Q2QoQ +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-Q2

Bank #3538009 2024-Q2 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 101.8% (threshold 100%).

What changed this quarter

Compared to Q1 2024:
↑ +3 ptscomposite
  • Liquidity
    ↑ +22
  • Securities
    — —
  • Capitalization
    ↓ -6
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +4

The five pillars

Liquidity

StableQoQ +22
72
Sub-score

Liquidity is stable: brokered 5.9%, loans/deposits 101.8%, cash 6.5% of assets.

Cash / Assets
6.55%
Loans / Deposits
101.81%
Brokered %
5.89%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 101.8% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.33%
No watch items at this period.

Capitalization

StableQoQ -6
63
Sub-score

Capital position is stable: Tier 1 RBC 11.02%, CET1 11.02%, leverage 8.45%.

Tier 1 RBC
11.02%
CET1
11.02%
Leverage
8.45%
No watch items at this period.

Asset Quality

StrongQoQ +1
91
Sub-score

Asset quality is strong: Adjusted NPL 1.44%, Texas Ratio 13.2%, NCO YTD 0.10%.

Adjusted NPL
1.44%
Govt-guarantees stripped
Texas Ratio
13.2%
NCO YTD
0.10%
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 +4
56
Sub-score

Reserves are deteriorating: ALLL 1.20% of loans, coverage 83.9%, true coverage 83.9%.

ALLL / Loans
1.20%
Coverage
83.9%
True Loss Coverage
83.9%
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