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Prairie Sun Bank

IDRSSD: 960551
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
58
/ 100
WatchAs of 2026-Q1QoQ -13

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 #960551 2026-Q1 Vital Signs Score: 58/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 19.7% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 19.7% (Adjusted NPL + Performing Mods denominator).
  3. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 9.45%.

What changed this quarter

Compared to Q4 2025:
↓ -13 ptscomposite
  • Liquidity
    ↓ -8
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -29
  • Reserves
    ↓ -33

The five pillars

Liquidity

StrongQoQ -8
80
Sub-score

Liquidity is strong: brokered 6.8%, loans/deposits 81.4%, cash 5.7% of assets.

Cash / Assets
5.67%
Loans / Deposits
81.37%
Brokered %
6.78%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.41%
No watch items at this period.

Capitalization

StableQoQ +2
66
Sub-score

Capital position is stable: Tier 1 RBC 10.79%, CET1 10.79%, leverage 9.93%.

Tier 1 RBC
10.79%
CET1
10.79%
Leverage
9.93%
No watch items at this period.

Asset Quality

RiskQoQ -29
23
Sub-score

Asset quality is weak: Adjusted NPL 9.91%, Texas Ratio 63.7%, NCO YTD 0.00%.

Adjusted NPL
9.91%
Govt-guarantees stripped
Texas Ratio
63.7%
NCO YTD
0.00%
30-89 PD
3.05%
Band 0.3% / 3.0%
90+ PD
9.45%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 9.91% (govt-guarantees stripped).
  • infoTexas Ratio above 50% — Texas Ratio 63.7% (industry watch band 50% / risk band 100%).
  • risk90+ days past due elevated — 90+ PD 9.45%.

Reserves

RiskQoQ -33
33
Sub-score

Reserves are weak: ALLL 1.91% of loans, coverage 19.7%, true coverage 19.7%.

ALLL / Loans
1.91%
Coverage
19.7%
True Loss Coverage
19.7%

Watch Items

  • riskALLL / NPL below 50% — Coverage 19.7% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 19.7% (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