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The Bank Of Princeton

IDRSSD: 3595271
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
81
/ 100
StrongAs of 2024-Q4QoQ -5

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 #3595271 2024-Q4 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.43% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2024:
↓ -5 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↑ 0
  • Reserves
    ↓ -38

The five pillars

Liquidity

StableQoQ 0
70
Sub-score

Liquidity is stable: brokered 2.2%, loans/deposits 88.3%, cash 1.4% of assets.

Cash / Assets
1.43%
Loans / Deposits
88.29%
Brokered %
2.19%

Watch Items

  • watchCash / Assets below 3% — Cash 1.43% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.21%
No watch items at this period.

Capitalization

StrongQoQ +3
83
Sub-score

Capital position is strong: Tier 1 RBC 12.31%, CET1 12.31%, leverage 10.47%.

Tier 1 RBC
12.31%
CET1
12.31%
Leverage
10.47%
No watch items at this period.

Asset Quality

StrongQoQ 0
91
Sub-score

Asset quality is strong: Adjusted NPL 1.50%, Texas Ratio 9.9%, NCO YTD 0.02%.

Adjusted NPL
1.50%
Govt-guarantees stripped
Texas Ratio
9.9%
NCO YTD
0.02%
30-89 PD
0.04%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -38
54
Sub-score

Reserves are deteriorating: ALLL 1.30% of loans, coverage 88.1%, true coverage 70.4%.

ALLL / Loans
1.30%
Coverage
88.1%
True Loss Coverage
70.4%
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: 2026-05-14 09:06:17 UTC