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Preferred Bank

IDRSSD: 2811086
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
71
/ 100
StableAs of 2024-Q3QoQ +3

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 #2811086 2024-Q3 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    ALLL / NPL below 50%
    Reserves — Coverage 44.9% (regulatory soft-warning level 50%).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 44.9% (Adjusted NPL + Performing Mods denominator).
  3. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.25%.

What changed this quarter

Compared to Q2 2024:
↑ +3 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↑ +4
  • Reserves
    ↑ +6

The five pillars

Liquidity

StrongQoQ +4
96
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 71.9%, cash 8.7% of assets.

Cash / Assets
8.70%
Loans / Deposits
71.95%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StableQoQ +2
75
Sub-score

Capital position is stable: Tier 1 RBC 12.38%, CET1 12.38%, leverage 8.44%.

Tier 1 RBC
12.38%
CET1
12.38%
Leverage
8.44%
No watch items at this period.

Asset Quality

StableQoQ +4
67
Sub-score

Asset quality is stable: Adjusted NPL 1.44%, Texas Ratio 10.3%, NCO YTD 0.05%.

Adjusted NPL
1.44%
Govt-guarantees stripped
Texas Ratio
10.3%
NCO YTD
0.05%
30-89 PD
2.71%
Band 0.3% / 3.0%
90+ PD
1.25%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.25%.

Reserves

RiskQoQ +6
12
Sub-score

Reserves are weak: ALLL 0.64% of loans, coverage 44.9%, true coverage 44.9%.

ALLL / Loans
0.64%
Coverage
44.9%
True Loss Coverage
44.9%

Watch Items

  • infoALLL / NPL below 50% — Coverage 44.9% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 44.9% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.64% of loans.

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 13:13:12 UTC