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Prinsbank

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

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
85
/ 100
StrongAs of 2025-Q2QoQ +1

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

Quarterly Headline

2025-Q2

Bank #787459 2025-Q2 Vital Signs Score: 85/100 — 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. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.82%.
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.17% of assets (threshold 3%).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.38% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2025:
↑ +1 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +2
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ 0
83
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 65.1%, cash 2.2% of assets.

Cash / Assets
2.17%
Loans / Deposits
65.09%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.17% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.16%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 23.10%, CET1 23.10%, leverage 15.29%.

Tier 1 RBC
23.10%
CET1
23.10%
Leverage
15.29%
No watch items at this period.

Asset Quality

WatchQoQ +2
53
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.38%, Texas Ratio 6.3%, NCO YTD -0.24%.

Adjusted NPL
2.38%
Govt-guarantees stripped
Texas Ratio
6.3%
NCO YTD
-0.24%
30-89 PD
3.48%
Band 0.3% / 3.0%
90+ PD
1.82%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.38% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.82%.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 9.19% of loans, coverage 424.6%, true coverage 424.6%.

ALLL / Loans
9.19%
Coverage
424.6%
True Loss Coverage
424.6%
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