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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-Q4

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

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2024-Q4QoQ +7

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 #909756 2024-Q4 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 102.2% (threshold 100%).

What changed this quarter

Compared to Q3 2024:
↑ +7 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↑ +7
  • Reserves
    ↑ +42

The five pillars

Liquidity

StableQoQ -1
75
Sub-score

Liquidity is stable: brokered 3.6%, loans/deposits 102.2%, cash 7.1% of assets.

Cash / Assets
7.09%
Loans / Deposits
102.18%
Brokered %
3.60%

Watch Items

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

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.78%
No watch items at this period.

Capitalization

WatchQoQ -2
56
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.56%, CET1 10.56%, leverage 8.30%.

Tier 1 RBC
10.56%
CET1
10.56%
Leverage
8.30%
No watch items at this period.

Asset Quality

StrongQoQ +7
100
Sub-score

Asset quality is strong: Adjusted NPL 0.47%, Texas Ratio 4.5%, NCO YTD 0.00%.

Adjusted NPL
0.47%
Govt-guarantees stripped
Texas Ratio
4.5%
NCO YTD
0.00%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +42
78
Sub-score

Reserves are stable: ALLL 0.90% of loans, coverage 192.7%, true coverage 192.7%.

ALLL / Loans
0.90%
Coverage
192.7%
True Loss Coverage
192.7%
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 08:51:11 UTC