Visbanking Logo
Skip to main content

First Port City Bank

IDRSSD: 262237
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
83
/ 100
StrongAs of 2024-Q3QoQ -3

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 #262237 2024-Q3 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 37.4% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q2 2024:
↓ -3 ptscomposite
  • Liquidity
    ↓ -10
  • Securities
    — —
  • Capitalization
    ↓ -6
  • Asset Quality
    ↑ +1
  • Reserves
    ↓ -1

The five pillars

Liquidity

StrongQoQ -10
84
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 88.1%, cash 6.9% of assets.

Cash / Assets
6.92%
Loans / Deposits
88.10%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.63%
No watch items at this period.

Capitalization

StableQoQ -6
77
Sub-score

Capital position is stable: Tier 1 RBC 11.98%, CET1 11.98%, leverage 9.42%.

Tier 1 RBC
11.98%
CET1
11.98%
Leverage
9.42%
No watch items at this period.

Asset Quality

StrongQoQ +1
97
Sub-score

Asset quality is strong: Adjusted NPL 0.86%, Texas Ratio 6.7%, NCO YTD 0.09%.

Adjusted NPL
0.86%
Govt-guarantees stripped
Texas Ratio
6.7%
NCO YTD
0.09%
30-89 PD
0.13%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -1
50
Sub-score

Reserves are deteriorating: ALLL 1.24% of loans, coverage 146.7%, true coverage 37.4%.

ALLL / Loans
1.24%
Coverage
146.7%
True Loss Coverage
37.4%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 37.4% (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: 2026-05-12 22:19:37 UTC