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Prime Alliance Bank

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

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2025-Q2QoQ -2

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

Quarterly Headline

2025-Q2

Bank #3309571 2025-Q2 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.93% of assets (threshold 3%).
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.26% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -9
  • Asset Quality
    ↑ +3
  • Reserves
    ↓ -1

The five pillars

Liquidity

WatchQoQ -2
58
Sub-score

Liquidity is deteriorating: brokered 19.7%, loans/deposits 86.8%, cash 0.9% of assets.

Cash / Assets
0.93%
Loans / Deposits
86.80%
Brokered %
19.71%

Watch Items

  • riskCash / Assets below 3% — Cash 0.93% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.14%
No watch items at this period.

Capitalization

StableQoQ -9
62
Sub-score

Capital position is stable: Tier 1 RBC 10.37%, CET1 10.37%, leverage 9.90%.

Tier 1 RBC
10.37%
CET1
10.37%
Leverage
9.90%
No watch items at this period.

Asset Quality

StrongQoQ +3
83
Sub-score

Asset quality is strong: Adjusted NPL 2.26%, Texas Ratio 14.3%, NCO YTD 0.26%.

Adjusted NPL
2.26%
Govt-guarantees stripped
Texas Ratio
14.3%
NCO YTD
0.26%
30-89 PD
0.03%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.26% (govt-guarantees stripped).

Reserves

StrongQoQ -1
93
Sub-score

Reserves are strong: ALLL 3.62% of loans, coverage 166.5%, true coverage 166.5%.

ALLL / Loans
3.62%
Coverage
166.5%
True Loss Coverage
166.5%
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