Visbanking Logo
Skip to main content

Prairie Sun Bank

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

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
60
/ 100
WatchAs of 2024-Q4QoQ -4

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

Quarterly Headline

2024-Q4

Bank #960551 2024-Q4 Vital Signs Score: 60/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 3.97%.
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 39.5% (regulatory soft-warning level 50%).
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 39.5% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2024:
↓ -4 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↓ -6
  • Reserves
    ↓ -10

The five pillars

Liquidity

StrongQoQ +1
80
Sub-score

Liquidity is strong: brokered 6.7%, loans/deposits 82.2%, cash 5.8% of assets.

Cash / Assets
5.82%
Loans / Deposits
82.19%
Brokered %
6.70%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.82%
No watch items at this period.

Capitalization

WatchQoQ -4
49
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.69%, CET1 9.69%, leverage 8.59%.

Tier 1 RBC
9.69%
CET1
9.69%
Leverage
8.59%
No watch items at this period.

Asset Quality

WatchQoQ -6
44
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.00%, Texas Ratio 27.9%, NCO YTD 0.32%.

Adjusted NPL
4.00%
Govt-guarantees stripped
Texas Ratio
27.9%
NCO YTD
0.32%
30-89 PD
0.99%
Band 0.3% / 3.0%
90+ PD
3.97%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.00% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 3.97%.

Reserves

RiskQoQ -10
38
Sub-score

Reserves are weak: ALLL 1.56% of loans, coverage 39.5%, true coverage 39.5%.

ALLL / Loans
1.56%
Coverage
39.5%
True Loss Coverage
39.5%

Watch Items

  • watchALLL / NPL below 50% — Coverage 39.5% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 39.5% (Adjusted NPL + Performing Mods denominator).

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