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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-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StrongAs of 2024-Q2QoQ +1

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

Quarterly Headline

2024-Q2

Bank #3309571 2024-Q2 Vital Signs Score: 80/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.97% of assets (threshold 3%).
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.27% (govt-guarantees stripped).
  3. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.14% of loans.

What changed this quarter

Compared to Q1 2024:
↑ +1 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↑ +4
  • Reserves
    ↑ +13

The five pillars

Liquidity

WatchQoQ -1
56
Sub-score

Liquidity is deteriorating: brokered 23.1%, loans/deposits 86.6%, cash 1.0% of assets.

Cash / Assets
0.97%
Loans / Deposits
86.63%
Brokered %
23.14%

Watch Items

  • riskCash / Assets below 3% — Cash 0.97% 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
0.23%
No watch items at this period.

Capitalization

StrongQoQ -5
88
Sub-score

Capital position is strong: Tier 1 RBC 12.79%, CET1 12.79%, leverage 11.35%.

Tier 1 RBC
12.79%
CET1
12.79%
Leverage
11.35%
No watch items at this period.

Asset Quality

StableQoQ +4
71
Sub-score

Asset quality is stable: Adjusted NPL 2.27%, Texas Ratio 12.2%, NCO YTD 1.14%.

Adjusted NPL
2.27%
Govt-guarantees stripped
Texas Ratio
12.2%
NCO YTD
1.14%
30-89 PD
1.06%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.27% (govt-guarantees stripped).
  • infoNet charge-offs elevated — NCO YTD 1.14% of loans.

Reserves

StrongQoQ +13
96
Sub-score

Reserves are strong: ALLL 3.99% of loans, coverage 183.2%, true coverage 183.2%.

ALLL / Loans
3.99%
Coverage
183.2%
True Loss Coverage
183.2%
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