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Prospect Bank

IDRSSD: 738143
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
75
/ 100
StableAs of 2024-Q3QoQ +1

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 #738143 2024-Q3 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:Strong

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.55% of assets (threshold 3%).
  2. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.34% of loans.

What changed this quarter

Compared to Q2 2024:
↑ +1 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↓ -13
  • Reserves
    ↑ +32

The five pillars

Liquidity

StableQoQ +4
61
Sub-score

Liquidity is stable: brokered 20.2%, loans/deposits 84.3%, cash 1.5% of assets.

Cash / Assets
1.55%
Loans / Deposits
84.32%
Brokered %
20.22%

Watch Items

  • watchCash / Assets below 3% — Cash 1.55% 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
0.67%
No watch items at this period.

Capitalization

WatchQoQ -5
53
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.58%, CET1 10.58%, leverage 7.54%.

Tier 1 RBC
10.58%
CET1
10.58%
Leverage
7.54%
No watch items at this period.

Asset Quality

StrongQoQ -13
87
Sub-score

Asset quality is strong: Adjusted NPL 0.26%, Texas Ratio 2.1%, NCO YTD 1.34%.

Adjusted NPL
0.26%
Govt-guarantees stripped
Texas Ratio
2.1%
NCO YTD
1.34%
30-89 PD
0.65%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.34% of loans.

Reserves

StrongQoQ +32
85
Sub-score

Reserves are strong: ALLL 1.04% of loans, coverage 403.3%, true coverage 348.0%.

ALLL / Loans
1.04%
Coverage
403.3%
True Loss Coverage
348.0%
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: 2026-05-15 08:12:36 UTC