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Platinum Bank

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

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2026-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

2026-Q1

Bank #3538009 2026-Q1 Vital Signs Score: 75/100 — 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. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 110.9% (threshold 100%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.09% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2025:
↑ +5 ptscomposite
  • Liquidity
    ↓ -8
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↑ +16
  • Reserves
    ↑ +11

The five pillars

Liquidity

WatchQoQ -8
53
Sub-score

Liquidity is deteriorating: brokered 11.1%, loans/deposits 110.9%, cash 1.1% of assets.

Cash / Assets
1.09%
Loans / Deposits
110.88%
Brokered %
11.11%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 110.9% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.09% 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
1.09%
No watch items at this period.

Capitalization

StableQoQ +2
61
Sub-score

Capital position is stable: Tier 1 RBC 10.80%, CET1 10.80%, leverage 8.65%.

Tier 1 RBC
10.80%
CET1
10.80%
Leverage
8.65%
No watch items at this period.

Asset Quality

StrongQoQ +16
96
Sub-score

Asset quality is strong: Adjusted NPL 0.85%, Texas Ratio 7.8%, NCO YTD -0.01%.

Adjusted NPL
0.85%
Govt-guarantees stripped
Texas Ratio
7.8%
NCO YTD
-0.01%
30-89 PD
0.36%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +11
66
Sub-score

Reserves are stable: ALLL 1.23% of loans, coverage 146.4%, true coverage 71.6%.

ALLL / Loans
1.23%
Coverage
146.4%
True Loss Coverage
71.6%
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