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Preferred Bank

IDRSSD: 1918344
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2024-Q2QoQ -5

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

Quarterly Headline

2024-Q2

Bank #1918344 2024-Q2 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q1 2024:
↓ -5 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -17
  • Reserves
    ↓ -9

The five pillars

Liquidity

StableQoQ -1
79
Sub-score

Liquidity is stable: brokered 15.4%, loans/deposits 91.2%, cash 13.1% of assets.

Cash / Assets
13.08%
Loans / Deposits
91.23%
Brokered %
15.43%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.48%
No watch items at this period.

Capitalization

StrongQoQ +1
82
Sub-score

Capital position is strong: Tier 1 RBC 11.52%, CET1 11.52%, leverage 10.88%.

Tier 1 RBC
11.52%
CET1
11.52%
Leverage
10.88%
No watch items at this period.

Asset Quality

StableQoQ -17
78
Sub-score

Asset quality is stable: Adjusted NPL 0.76%, Texas Ratio 4.9%, NCO YTD 0.67%.

Adjusted NPL
0.76%
Govt-guarantees stripped
Texas Ratio
4.9%
NCO YTD
0.67%
30-89 PD
2.57%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -9
90
Sub-score

Reserves are strong: ALLL 1.34% of loans, coverage 179.6%, true coverage 179.6%.

ALLL / Loans
1.34%
Coverage
179.6%
True Loss Coverage
179.6%
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: 2026-05-13 11:29:09 UTC