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Primebank

IDRSSD: 671147
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
65
/ 100
StableAs of 2025-Q2QoQ -12

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 #671147 2025-Q2 Vital Signs Score: 65/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 37.2% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 37.5% (regulatory soft-warning level 50%).
  3. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.68%.

What changed this quarter

Compared to Q1 2025:
↓ -12 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ -27
  • Reserves
    ↓ -34

The five pillars

Liquidity

StableQoQ -4
67
Sub-score

Liquidity is stable: brokered 4.6%, loans/deposits 99.1%, cash 3.3% of assets.

Cash / Assets
3.28%
Loans / Deposits
99.08%
Brokered %
4.55%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StrongQoQ +3
80
Sub-score

Capital position is strong: Tier 1 RBC 12.13%, CET1 12.13%, leverage 10.42%.

Tier 1 RBC
12.13%
CET1
12.13%
Leverage
10.42%
No watch items at this period.

Asset Quality

WatchQoQ -27
55
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.71%, Texas Ratio 21.0%, NCO YTD 0.09%.

Adjusted NPL
2.71%
Govt-guarantees stripped
Texas Ratio
21.0%
NCO YTD
0.09%
30-89 PD
2.02%
Band 0.3% / 3.0%
90+ PD
1.68%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.71% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.68%.

Reserves

RiskQoQ -34
20
Sub-score

Reserves are weak: ALLL 1.01% of loans, coverage 37.5%, true coverage 37.2%.

ALLL / Loans
1.01%
Coverage
37.5%
True Loss Coverage
37.2%

Watch Items

  • watchALLL / NPL below 50% — Coverage 37.5% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 37.2% (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 14:52:29 UTC