Visbanking Logo
Skip to main content

First Progressive Bank

IDRSSD: 177135
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
59
/ 100
WatchAs of 2024-Q4QoQ +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-Q4

Bank #177135 2024-Q4 Vital Signs Score: 59/100 — overall watch. Strongest pillar: Liquidity (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 46.9% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2024:
↑ +1 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -2
  • Reserves
    ↑ +10

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 43.9%, cash 12.1% of assets.

Cash / Assets
12.13%
Loans / Deposits
43.90%
Brokered %
0.00%
No watch items at this period.

Securities

Risk
0
Sub-score

Securities profile is weak: securities 53.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
53.46%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 26.90%.

Tier 1 RBC
—
CET1
0.00%
Leverage
26.90%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StableQoQ -2
79
Sub-score

Asset quality is stable: Adjusted NPL 0.94%, Texas Ratio 1.1%, NCO YTD 0.00%.

Adjusted NPL
0.94%
Govt-guarantees stripped
Texas Ratio
1.1%
NCO YTD
0.00%
30-89 PD
3.91%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +10
46
Sub-score

Reserves are deteriorating: ALLL 1.15% of loans, coverage 123.2%, true coverage 46.9%.

ALLL / Loans
1.15%
Coverage
123.2%
True Loss Coverage
46.9%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 46.9% (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: 2026-05-13 01:17:18 UTC