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Preferred Bank

IDRSSD: 252452
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
90
/ 100
StrongAs of 2024-Q3QoQ +2

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

Quarterly Headline

2024-Q3

Bank #252452 2024-Q3 Vital Signs Score: 90/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.97% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2024:
↑ +2 ptscomposite
  • Liquidity
    ↓ -18
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↓ -1
  • Reserves
    ↑ +39

The five pillars

Liquidity

StrongQoQ -18
82
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 40.7%, cash 2.0% of assets.

Cash / Assets
1.97%
Loans / Deposits
40.74%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.97% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 18.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
18.88%
No watch items at this period.

Capitalization

StrongQoQ 0
90
Sub-score

Capital position is strong: Tier 1 RBC 18.35%, CET1 18.35%, leverage 7.59%.

Tier 1 RBC
18.35%
CET1
18.35%
Leverage
7.59%
No watch items at this period.

Asset Quality

StrongQoQ -1
97
Sub-score

Asset quality is strong: Adjusted NPL 0.03%, Texas Ratio 0.1%, NCO YTD 0.02%.

Adjusted NPL
0.03%
Govt-guarantees stripped
Texas Ratio
0.1%
NCO YTD
0.02%
30-89 PD
0.77%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +39
79
Sub-score

Reserves are stable: ALLL 0.88% of loans, coverage 3515.4%, true coverage 3515.4%.

ALLL / Loans
0.88%
Coverage
3515.4%
True Loss Coverage
3515.4%
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 06:55:06 UTC