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Prospect Bank

IDRSSD: 738143
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2023-Q4QoQ -4

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

Quarterly Headline

2023-Q4

Bank #738143 2023-Q4 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.87% of assets (threshold 3%).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 44.2% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2023:
↓ -4 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↓ -2
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -4
63
Sub-score

Liquidity is stable: brokered 13.6%, loans/deposits 90.0%, cash 1.9% of assets.

Cash / Assets
1.87%
Loans / Deposits
89.96%
Brokered %
13.64%

Watch Items

  • watchCash / Assets below 3% — Cash 1.87% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.69%
No watch items at this period.

Capitalization

WatchQoQ 0
55
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.22%, CET1 10.22%, leverage 7.61%.

Tier 1 RBC
10.22%
CET1
10.22%
Leverage
7.61%
No watch items at this period.

Asset Quality

StrongQoQ -2
98
Sub-score

Asset quality is strong: Adjusted NPL 0.28%, Texas Ratio 2.2%, NCO YTD 0.29%.

Adjusted NPL
0.28%
Govt-guarantees stripped
Texas Ratio
2.2%
NCO YTD
0.29%
30-89 PD
0.10%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Watch
59
Sub-score

Reserves are deteriorating: ALLL 1.07% of loans, coverage 384.5%, true coverage 44.2%.

ALLL / Loans
1.07%
Coverage
384.5%
True Loss Coverage
44.2%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 44.2% (Adjusted NPL + Performing Mods denominator).

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: 2026-05-15 08:12:36 UTC