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Prinsbank

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

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
86
/ 100
StrongAs of 2024-Q4QoQ +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-Q4

Bank #787459 2024-Q4 Vital Signs Score: 86/100 — 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. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.25% of assets (threshold 3%).
  2. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.26%.
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.13% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2024:
↑ +3 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +9
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +3
78
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 74.2%, cash 1.3% of assets.

Cash / Assets
1.25%
Loans / Deposits
74.18%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.25% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.78%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 22.45%, CET1 22.45%, leverage 16.13%.

Tier 1 RBC
22.45%
CET1
22.45%
Leverage
16.13%
No watch items at this period.

Asset Quality

WatchQoQ +9
60
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.13%, Texas Ratio 6.1%, NCO YTD -0.13%.

Adjusted NPL
2.13%
Govt-guarantees stripped
Texas Ratio
6.1%
NCO YTD
-0.13%
30-89 PD
4.95%
Band 0.3% / 3.0%
90+ PD
1.26%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.13% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.26%.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 8.19% of loans, coverage 418.9%, true coverage 418.9%.

ALLL / Loans
8.19%
Coverage
418.9%
True Loss Coverage
418.9%
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