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Prairie Sun Bank

IDRSSD: 960551
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
72
/ 100
StableAs of 2025-Q4QoQ -6

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 #960551 2025-Q4 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (watch).

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

Top 3 Watch Items

  1. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.88%.
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.20% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↓ -6 ptscomposite
  • Liquidity
    ↑ +13
  • Securities
    — —
  • Capitalization
    ↑ +8
  • Asset Quality
    ↓ -22
  • Reserves
    ↓ -34

The five pillars

Liquidity

StrongQoQ +13
88
Sub-score

Liquidity is strong: brokered 6.3%, loans/deposits 76.8%, cash 8.2% of assets.

Cash / Assets
8.21%
Loans / Deposits
76.75%
Brokered %
6.25%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.31%
No watch items at this period.

Capitalization

StableQoQ +8
64
Sub-score

Capital position is stable: Tier 1 RBC 10.81%, CET1 10.81%, leverage 9.32%.

Tier 1 RBC
10.81%
CET1
10.81%
Leverage
9.32%
No watch items at this period.

Asset Quality

WatchQoQ -22
52
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.20%, Texas Ratio 14.4%, NCO YTD 0.07%.

Adjusted NPL
2.20%
Govt-guarantees stripped
Texas Ratio
14.4%
NCO YTD
0.07%
30-89 PD
4.62%
Band 0.3% / 3.0%
90+ PD
1.88%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.20% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.88%.

Reserves

StableQoQ -34
66
Sub-score

Reserves are stable: ALLL 1.81% of loans, coverage 83.8%, true coverage 83.8%.

ALLL / Loans
1.81%
Coverage
83.8%
True Loss Coverage
83.8%
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.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