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Premier Bank

IDRSSD: 981275
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
82
/ 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 #981275 2024-Q3 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.40% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2024:
↓ -2 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -12

The five pillars

Liquidity

StableQoQ +1
67
Sub-score

Liquidity is stable: brokered 4.0%, loans/deposits 92.1%, cash 1.4% of assets.

Cash / Assets
1.40%
Loans / Deposits
92.05%
Brokered %
4.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.40% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.58%
No watch items at this period.

Capitalization

StrongQoQ 0
86
Sub-score

Capital position is strong: Tier 1 RBC 12.61%, CET1 12.61%, leverage 10.03%.

Tier 1 RBC
12.61%
CET1
12.61%
Leverage
10.03%
No watch items at this period.

Asset Quality

StrongQoQ -1
93
Sub-score

Asset quality is strong: Adjusted NPL 1.25%, Texas Ratio 8.8%, NCO YTD 0.04%.

Adjusted NPL
1.25%
Govt-guarantees stripped
Texas Ratio
8.8%
NCO YTD
0.04%
30-89 PD
0.26%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -12
58
Sub-score

Reserves are deteriorating: ALLL 1.12% of loans, coverage 90.3%, true coverage 88.8%.

ALLL / Loans
1.12%
Coverage
90.3%
True Loss Coverage
88.8%
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: 2026-05-15 09:20:20 UTC