Liquidity
StrongQoQ 0
99
Sub-score
Liquidity is strong: brokered 0.0%, loans/deposits 71.9%, cash 13.8% of assets.
- Cash / Assets
- 13.76%
- Loans / Deposits
- 71.85%
- Brokered %
- 0.00%
No watch items at this period.
Prairie Community Bank
IDRSSD: 2598396
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
81
/ 100
StrongAs of 2026-Q1QoQ -12
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 #2598396 2026-Q1 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).
Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Stable
Reserves:Watch
Top 3 Watch Items
- infoAdjusted NPL above 2%Asset Quality — Adjusted NPL 3.00% (govt-guarantees stripped).
What changed this quarter
Compared to Q4 2025:
↓ -12 ptscomposite
- Liquidity↑ 0
- Securities— —
- Capitalization↑ +2
- Asset Quality↓ -18
- Reserves↓ -55
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 2.5% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 2.51%
SVB watch metric
No watch items at this period.
Capitalization
StrongQoQ +2
82
Sub-score
Capital position is strong: Tier 1 RBC 12.74%, CET1 12.74%, leverage 8.80%.
- Tier 1 RBC
- 12.74%
- CET1
- 12.74%
- Leverage
- 8.80%
No watch items at this period.
Asset Quality
StableQoQ -18
77
Sub-score
Asset quality is stable: Adjusted NPL 3.00%, Texas Ratio 19.8%, NCO YTD -0.09%.
- Adjusted NPL
- 3.00%
- Texas Ratio
- 19.8%
- NCO YTD
- -0.09%
- 30-89 PD
- 0.15%
- 90+ PD
- 0.00%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
Watch Items
- infoAdjusted NPL above 2% — Adjusted NPL 3.00% (govt-guarantees stripped).
Reserves
WatchQoQ -55
45
Sub-score
Reserves are deteriorating: ALLL 1.60% of loans, coverage 54.4%, true coverage 52.8%.
- ALLL / Loans
- 1.60%
- Coverage
- 54.4%
- True Loss Coverage
- 52.8%
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.tsfor 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: 2026-05-13 11:59:45 UTC