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Prinsbank

IDRSSD: 787459
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
83
/ 100
StrongAs of 2024-Q2QoQ -4

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 #787459 2024-Q2 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (watch).

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

Top 3 Watch Items

  1. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 2.59%.
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.50% of assets (threshold 3%).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.59% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2024:
↓ -4 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -15
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -2
77
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 78.8%, cash 1.5% of assets.

Cash / Assets
1.50%
Loans / Deposits
78.81%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.50% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.11%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 21.58%, CET1 21.58%, leverage 16.21%.

Tier 1 RBC
21.58%
CET1
21.58%
Leverage
16.21%
No watch items at this period.

Asset Quality

WatchQoQ -15
50
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.59%, Texas Ratio 7.8%, NCO YTD -0.11%.

Adjusted NPL
2.59%
Govt-guarantees stripped
Texas Ratio
7.8%
NCO YTD
-0.11%
30-89 PD
3.17%
Band 0.3% / 3.0%
90+ PD
2.59%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.59% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 2.59%.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 7.93% of loans, coverage 332.5%, true coverage 332.5%.

ALLL / Loans
7.93%
Coverage
332.5%
True Loss Coverage
332.5%
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