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Platinum Bank

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

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
70
/ 100
StableAs of 2025-Q4QoQ -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-Q4

Bank #3538009 2025-Q4 Vital Signs Score: 70/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

Liquidity:Stable
Securities:Strong
Capitalization:Watch
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 1.94% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -9
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ 0
  • Reserves
    ↑ +5

The five pillars

Liquidity

StableQoQ -9
61
Sub-score

Liquidity is stable: brokered 2.8%, loans/deposits 109.2%, cash 1.9% of assets.

Cash / Assets
1.94%
Loans / Deposits
109.18%
Brokered %
2.78%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 109.2% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.94% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.11%
No watch items at this period.

Capitalization

WatchQoQ +1
59
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.85%, CET1 10.85%, leverage 7.94%.

Tier 1 RBC
10.85%
CET1
10.85%
Leverage
7.94%
No watch items at this period.

Asset Quality

StrongQoQ 0
81
Sub-score

Asset quality is strong: Adjusted NPL 0.93%, Texas Ratio 8.6%, NCO YTD 0.97%.

Adjusted NPL
0.93%
Govt-guarantees stripped
Texas Ratio
8.6%
NCO YTD
0.97%
30-89 PD
1.56%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +5
54
Sub-score

Reserves are deteriorating: ALLL 1.16% of loans, coverage 125.9%, true coverage 62.5%.

ALLL / Loans
1.16%
Coverage
125.9%
True Loss Coverage
62.5%
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