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Prinsbank

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

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2025-Q1QoQ -2

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

Quarterly Headline

2025-Q1

Bank #787459 2025-Q1 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (watch).

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

Top 3 Watch Items

  1. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 2.66%.
  2. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.24% (govt-guarantees stripped).
  3. info
    Cash / Assets below 3%
    Liquidity — Cash 2.03% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2024:
↓ -2 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -9
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +4
82
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 64.7%, cash 2.0% of assets.

Cash / Assets
2.03%
Loans / Deposits
64.74%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.03% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.41%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 22.69%, CET1 22.69%, leverage 15.03%.

Tier 1 RBC
22.69%
CET1
22.69%
Leverage
15.03%
No watch items at this period.

Asset Quality

WatchQoQ -9
51
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.24%, Texas Ratio 8.7%, NCO YTD -1.79%.

Adjusted NPL
3.24%
Govt-guarantees stripped
Texas Ratio
8.7%
NCO YTD
-1.79%
30-89 PD
2.01%
Band 0.3% / 3.0%
90+ PD
2.66%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.24% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 2.66%.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 9.16% of loans, coverage 311.7%, true coverage 311.7%.

ALLL / Loans
9.16%
Coverage
311.7%
True Loss Coverage
311.7%
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