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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-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StrongAs of 2024-Q4QoQ -3

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

Quarterly Headline

2024-Q4

Bank #3309571 2024-Q4 Vital Signs Score: 80/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.85% of assets (threshold 3%).
  2. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.51% of loans.

What changed this quarter

Compared to Q3 2024:
↓ -3 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -19
  • Asset Quality
    ↑ +8
  • Reserves
    ↑ 0

The five pillars

Liquidity

StableQoQ -1
61
Sub-score

Liquidity is stable: brokered 18.3%, loans/deposits 84.2%, cash 0.9% of assets.

Cash / Assets
0.85%
Loans / Deposits
84.22%
Brokered %
18.33%

Watch Items

  • riskCash / Assets below 3% — Cash 0.85% 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
0.16%
No watch items at this period.

Capitalization

StableQoQ -19
74
Sub-score

Capital position is stable: Tier 1 RBC 11.48%, CET1 11.48%, leverage 10.47%.

Tier 1 RBC
11.48%
CET1
11.48%
Leverage
10.47%
No watch items at this period.

Asset Quality

StableQoQ +8
78
Sub-score

Asset quality is stable: Adjusted NPL 1.22%, Texas Ratio 7.3%, NCO YTD 1.51%.

Adjusted NPL
1.22%
Govt-guarantees stripped
Texas Ratio
7.3%
NCO YTD
1.51%
30-89 PD
0.78%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 1.51% of loans.

Reserves

StrongQoQ 0
100
Sub-score

Reserves are strong: ALLL 3.42% of loans, coverage 290.6%, true coverage 290.6%.

ALLL / Loans
3.42%
Coverage
290.6%
True Loss Coverage
290.6%
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