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Preferred Bank

IDRSSD: 2811086
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
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Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
61
/ 100
StableAs of 2025-Q3QoQ -9

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

Quarterly Headline

2025-Q3

Bank #2811086 2025-Q3 Vital Signs Score: 61/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 10.6% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 10.6% (Adjusted NPL + Performing Mods denominator).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.64% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↓ -9 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↓ -7
  • Asset Quality
    ↓ -28
  • Reserves
    ↑ 0

The five pillars

Liquidity

StrongQoQ 0
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 70.4%, cash 11.4% of assets.

Cash / Assets
11.42%
Loans / Deposits
70.43%
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 -7
65
Sub-score

Capital position is stable: Tier 1 RBC 11.51%, CET1 11.51%, leverage 8.33%.

Tier 1 RBC
11.51%
CET1
11.51%
Leverage
8.33%
No watch items at this period.

Asset Quality

RiskQoQ -28
37
Sub-score

Asset quality is weak: Adjusted NPL 5.64%, Texas Ratio 42.7%, NCO YTD 0.09%.

Adjusted NPL
5.64%
Govt-guarantees stripped
Texas Ratio
42.7%
NCO YTD
0.09%
30-89 PD
1.47%
Band 0.3% / 3.0%
90+ PD
3.43%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.64% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 3.43%.

Reserves

RiskQoQ 0
3
Sub-score

Reserves are weak: ALLL 0.59% of loans, coverage 10.6%, true coverage 10.6%.

ALLL / Loans
0.59%
Coverage
10.6%
True Loss Coverage
10.6%

Watch Items

  • riskALLL / NPL below 50% — Coverage 10.6% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 10.6% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.59% 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