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Prairie Sun Bank

IDRSSD: 960551
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
64
/ 100
StableAs of 2024-Q3QoQ +1

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

Quarterly Headline

2024-Q3

Bank #960551 2024-Q3 Vital Signs Score: 64/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 2.81%.
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.89% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2024:
↑ +1 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ +3
  • Reserves
    ↓ -1

The five pillars

Liquidity

StableQoQ +2
79
Sub-score

Liquidity is stable: brokered 7.2%, loans/deposits 85.3%, cash 6.3% of assets.

Cash / Assets
6.27%
Loans / Deposits
85.35%
Brokered %
7.22%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.67%
No watch items at this period.

Capitalization

WatchQoQ -1
53
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.10%, CET1 10.10%, leverage 8.44%.

Tier 1 RBC
10.10%
CET1
10.10%
Leverage
8.44%
No watch items at this period.

Asset Quality

WatchQoQ +3
50
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.89%, Texas Ratio 19.8%, NCO YTD -0.06%.

Adjusted NPL
2.89%
Govt-guarantees stripped
Texas Ratio
19.8%
NCO YTD
-0.06%
30-89 PD
2.07%
Band 0.3% / 3.0%
90+ PD
2.81%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.89% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 2.81%.

Reserves

WatchQoQ -1
48
Sub-score

Reserves are deteriorating: ALLL 1.63% of loans, coverage 57.5%, true coverage 57.5%.

ALLL / Loans
1.63%
Coverage
57.5%
True Loss Coverage
57.5%
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 15:03:54 UTC