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Preferred Bank

IDRSSD: 1918344
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
83
/ 100
StrongAs of 2025-Q4QoQ -5

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 #1918344 2025-Q4 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

Liquidity:Stable
Securities:Strong
Capitalization:Stable
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 Q3 2025:
↓ -5 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -14
  • Reserves
    ↓ -9

The five pillars

Liquidity

StableQoQ 0
78
Sub-score

Liquidity is stable: brokered 14.3%, loans/deposits 94.3%, cash 10.6% of assets.

Cash / Assets
10.63%
Loans / Deposits
94.27%
Brokered %
14.33%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.87%
No watch items at this period.

Capitalization

StableQoQ -1
79
Sub-score

Capital position is stable: Tier 1 RBC 11.26%, CET1 11.26%, leverage 10.54%.

Tier 1 RBC
11.26%
CET1
11.26%
Leverage
10.54%
No watch items at this period.

Asset Quality

StableQoQ -14
79
Sub-score

Asset quality is stable: Adjusted NPL 0.86%, Texas Ratio 5.8%, NCO YTD 0.00%.

Adjusted NPL
0.86%
Govt-guarantees stripped
Texas Ratio
5.8%
NCO YTD
0.00%
30-89 PD
3.27%
Band 0.3% / 3.0%
90+ PD
0.21%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -9
83
Sub-score

Reserves are strong: ALLL 1.30% of loans, coverage 154.0%, true coverage 112.5%.

ALLL / Loans
1.30%
Coverage
154.0%
True Loss Coverage
112.5%
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: 2026-05-13 11:29:09 UTC