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Prime Security Bank

IDRSSD: 909756
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
63
/ 100
StableAs of 2024-Q2QoQ 0

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 #909756 2024-Q2 Vital Signs Score: 63/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    ALLL / NPL below 50%
    Reserves — Coverage 32.3% (regulatory soft-warning level 50%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 32.3% (Adjusted NPL + Performing Mods denominator).
  3. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 102.2% (threshold 100%).

What changed this quarter

Compared to Q1 2024:
↓ 0 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    ↓ -6
  • Asset Quality
    ↓ -1
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ +6
71
Sub-score

Liquidity is stable: brokered 7.1%, loans/deposits 102.2%, cash 6.3% of assets.

Cash / Assets
6.32%
Loans / Deposits
102.20%
Brokered %
7.06%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 102.2% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.93%
No watch items at this period.

Capitalization

WatchQoQ -6
52
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.36%, CET1 10.36%, leverage 7.98%.

Tier 1 RBC
10.36%
CET1
10.36%
Leverage
7.98%
No watch items at this period.

Asset Quality

StableQoQ -1
74
Sub-score

Asset quality is stable: Adjusted NPL 2.54%, Texas Ratio 25.3%, NCO YTD 0.00%.

Adjusted NPL
2.54%
Govt-guarantees stripped
Texas Ratio
25.3%
NCO YTD
0.00%
30-89 PD
0.43%
Band 0.3% / 3.0%
90+ PD
0.67%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.54% (govt-guarantees stripped).

Reserves

RiskQoQ +1
12
Sub-score

Reserves are weak: ALLL 0.81% of loans, coverage 32.3%, true coverage 32.3%.

ALLL / Loans
0.81%
Coverage
32.3%
True Loss Coverage
32.3%

Watch Items

  • watchALLL / NPL below 50% — Coverage 32.3% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 32.3% (Adjusted NPL + Performing Mods denominator).

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 08:51:11 UTC