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 — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2025-Q1QoQ -1

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q1

Bank #3538009 2025-Q1 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 103.2% (threshold 100%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.32% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2024:
↓ -1 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↑ +1
  • Reserves
    ↓ -2

The five pillars

Liquidity

WatchQoQ -5
59
Sub-score

Liquidity is deteriorating: brokered 11.8%, loans/deposits 103.2%, cash 2.3% of assets.

Cash / Assets
2.32%
Loans / Deposits
103.18%
Brokered %
11.75%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 103.2% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.32% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.18%
No watch items at this period.

Capitalization

StableQoQ +2
64
Sub-score

Capital position is stable: Tier 1 RBC 11.12%, CET1 11.12%, leverage 8.51%.

Tier 1 RBC
11.12%
CET1
11.12%
Leverage
8.51%
No watch items at this period.

Asset Quality

StrongQoQ +1
93
Sub-score

Asset quality is strong: Adjusted NPL 1.17%, Texas Ratio 10.6%, NCO YTD 0.22%.

Adjusted NPL
1.17%
Govt-guarantees stripped
Texas Ratio
10.6%
NCO YTD
0.22%
30-89 PD
0.14%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -2
68
Sub-score

Reserves are stable: ALLL 1.19% of loans, coverage 102.9%, true coverage 102.9%.

ALLL / Loans
1.19%
Coverage
102.9%
True Loss Coverage
102.9%
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