Visbanking Logo
Skip to main content

Prime Alliance Bank

IDRSSD: 3309571
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
74
/ 100
StableAs of 2023-Q4QoQ -9

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

Quarterly Headline

2023-Q4

Bank #3309571 2023-Q4 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.00% of assets (threshold 3%).
  2. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.31% of loans.
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.13% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2023:
↓ -9 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↑ +6
  • Asset Quality
    ↓ -47
  • Reserves
    — —

The five pillars

Liquidity

WatchQoQ +3
58
Sub-score

Liquidity is deteriorating: brokered 22.1%, loans/deposits 85.0%, cash 1.0% of assets.

Cash / Assets
1.00%
Loans / Deposits
85.02%
Brokered %
22.06%

Watch Items

  • watchCash / Assets below 3% — Cash 1.00% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.24%
No watch items at this period.

Capitalization

StrongQoQ +6
87
Sub-score

Capital position is strong: Tier 1 RBC 12.15%, CET1 12.15%, leverage 10.38%.

Tier 1 RBC
12.15%
CET1
12.15%
Leverage
10.38%
No watch items at this period.

Asset Quality

WatchQoQ -47
53
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.13%, Texas Ratio 17.6%, NCO YTD 2.31%.

Adjusted NPL
3.13%
Govt-guarantees stripped
Texas Ratio
17.6%
NCO YTD
2.31%
30-89 PD
1.43%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.13% (govt-guarantees stripped).
  • watchNet charge-offs elevated — NCO YTD 2.31% of loans.

Reserves

Strong
85
Sub-score

Reserves are strong: ALLL 4.02% of loans, coverage 134.0%, true coverage 134.0%.

ALLL / Loans
4.02%
Coverage
134.0%
True Loss Coverage
134.0%
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 05:52:52 UTC