Visbanking Logo
Skip to main content

Prinsbank

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

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2024-Q3QoQ 0

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

Quarterly Headline

2024-Q3

Bank #787459 2024-Q3 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 2.71%.
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.25% of assets (threshold 3%).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.71% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2024:
↓ 0 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +1
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -1
75
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 85.0%, cash 2.2% of assets.

Cash / Assets
2.25%
Loans / Deposits
84.98%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.25% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.09%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 21.07%, CET1 21.07%, leverage 15.72%.

Tier 1 RBC
21.07%
CET1
21.07%
Leverage
15.72%
No watch items at this period.

Asset Quality

WatchQoQ +1
50
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.71%, Texas Ratio 8.5%, NCO YTD -0.77%.

Adjusted NPL
2.71%
Govt-guarantees stripped
Texas Ratio
8.5%
NCO YTD
-0.77%
30-89 PD
2.71%
Band 0.3% / 3.0%
90+ PD
2.71%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.71% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 2.71%.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 7.69% of loans, coverage 308.0%, true coverage 308.0%.

ALLL / Loans
7.69%
Coverage
308.0%
True Loss Coverage
308.0%
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