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Primebank

IDRSSD: 671147
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
72
/ 100
StableAs of 2025-Q3QoQ +7

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

Quarterly Headline

2025-Q3

Bank #671147 2025-Q3 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.72%.

What changed this quarter

Compared to Q2 2025:
↑ +7 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↑ +18
  • Reserves
    ↑ +8

The five pillars

Liquidity

StableQoQ +3
70
Sub-score

Liquidity is stable: brokered 4.1%, loans/deposits 98.6%, cash 4.3% of assets.

Cash / Assets
4.28%
Loans / Deposits
98.61%
Brokered %
4.13%
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
83
Sub-score

Capital position is strong: Tier 1 RBC 12.44%, CET1 12.44%, leverage 10.70%.

Tier 1 RBC
12.44%
CET1
12.44%
Leverage
10.70%
No watch items at this period.

Asset Quality

StableQoQ +18
72
Sub-score

Asset quality is stable: Adjusted NPL 1.91%, Texas Ratio 14.6%, NCO YTD 0.14%.

Adjusted NPL
1.91%
Govt-guarantees stripped
Texas Ratio
14.6%
NCO YTD
0.14%
30-89 PD
0.30%
Band 0.3% / 3.0%
90+ PD
1.72%
Band 0.1% / 2.0%

Watch Items

  • watch90+ days past due elevated — 90+ PD 1.72%.

Reserves

RiskQoQ +8
28
Sub-score

Reserves are weak: ALLL 1.00% of loans, coverage 52.6%, true coverage 52.6%.

ALLL / Loans
1.00%
Coverage
52.6%
True Loss Coverage
52.6%
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 14:52:29 UTC