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Prinsbank

IDRSSD: 787459
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
87
/ 100
StrongAs of 2024-Q1QoQ -3

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

Quarterly Headline

2024-Q1

Bank #787459 2024-Q1 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

  1. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.75%.
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.43% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2023:
↓ -3 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -13
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +1
79
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 78.5%, cash 2.4% of assets.

Cash / Assets
2.43%
Loans / Deposits
78.49%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.43% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.89%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 20.80%, CET1 20.80%, leverage 15.87%.

Tier 1 RBC
20.80%
CET1
20.80%
Leverage
15.87%
No watch items at this period.

Asset Quality

StableQoQ -13
64
Sub-score

Asset quality is stable: Adjusted NPL 1.75%, Texas Ratio 5.4%, NCO YTD -0.79%.

Adjusted NPL
1.75%
Govt-guarantees stripped
Texas Ratio
5.4%
NCO YTD
-0.79%
30-89 PD
2.05%
Band 0.3% / 3.0%
90+ PD
1.75%
Band 0.1% / 2.0%

Watch Items

  • watch90+ days past due elevated — 90+ PD 1.75%.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 7.80% of loans, coverage 484.2%, true coverage 484.2%.

ALLL / Loans
7.80%
Coverage
484.2%
True Loss Coverage
484.2%
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: 2026-05-12 00:57:49 UTC