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Prime Alliance Bank

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

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2024-Q1QoQ +5

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

Quarterly Headline

2024-Q1

Bank #3309571 2024-Q1 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.01% of assets (threshold 3%).
  2. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.58% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2023:
↑ +5 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↑ +6
  • Asset Quality
    ↑ +14
  • Reserves
    ↓ -2

The five pillars

Liquidity

WatchQoQ 0
58
Sub-score

Liquidity is deteriorating: brokered 21.7%, loans/deposits 85.7%, cash 1.0% of assets.

Cash / Assets
1.01%
Loans / Deposits
85.73%
Brokered %
21.71%

Watch Items

  • watchCash / Assets below 3% — Cash 1.01% 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
93
Sub-score

Capital position is strong: Tier 1 RBC 12.76%, CET1 12.76%, leverage 10.96%.

Tier 1 RBC
12.76%
CET1
12.76%
Leverage
10.96%
No watch items at this period.

Asset Quality

StableQoQ +14
67
Sub-score

Asset quality is stable: Adjusted NPL 3.58%, Texas Ratio 18.8%, NCO YTD -0.21%.

Adjusted NPL
3.58%
Govt-guarantees stripped
Texas Ratio
18.8%
NCO YTD
-0.21%
30-89 PD
1.20%
Band 0.3% / 3.0%
90+ PD
0.09%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.58% (govt-guarantees stripped).

Reserves

StrongQoQ -2
83
Sub-score

Reserves are strong: ALLL 4.22% of loans, coverage 123.2%, true coverage 123.2%.

ALLL / Loans
4.22%
Coverage
123.2%
True Loss Coverage
123.2%
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