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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2025-Q4QoQ +1

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

Quarterly Headline

2025-Q4

Bank #3309571 2025-Q4 Vital Signs Score: 77/100 — overall stable. 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 0.63% of assets (threshold 3%).
  2. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.52% of loans.
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.03% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↑ +1 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↑ +12
  • Asset Quality
    ↓ -13
  • Reserves
    ↑ +4

The five pillars

Liquidity

StableQoQ +4
62
Sub-score

Liquidity is stable: brokered 16.0%, loans/deposits 85.1%, cash 0.6% of assets.

Cash / Assets
0.63%
Loans / Deposits
85.08%
Brokered %
16.01%

Watch Items

  • riskCash / Assets below 3% — Cash 0.63% 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
0.07%
No watch items at this period.

Capitalization

StableQoQ +12
73
Sub-score

Capital position is stable: Tier 1 RBC 11.44%, CET1 11.44%, leverage 9.92%.

Tier 1 RBC
11.44%
CET1
11.44%
Leverage
9.92%
No watch items at this period.

Asset Quality

StableQoQ -13
70
Sub-score

Asset quality is stable: Adjusted NPL 2.03%, Texas Ratio 12.3%, NCO YTD 2.52%.

Adjusted NPL
2.03%
Govt-guarantees stripped
Texas Ratio
12.3%
NCO YTD
2.52%
30-89 PD
0.29%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.03% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 2.52% of loans.

Reserves

StrongQoQ +4
94
Sub-score

Reserves are strong: ALLL 3.41% of loans, coverage 173.2%, true coverage 173.2%.

ALLL / Loans
3.41%
Coverage
173.2%
True Loss Coverage
173.2%
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