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First Progressive Bank

IDRSSD: 177135
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
58
/ 100
WatchAs of 2025-Q2QoQ -9

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

Quarterly Headline

2025-Q2

Bank #177135 2025-Q2 Vital Signs Score: 58/100 — 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 47.3% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q1 2025:
↓ -9 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -7
  • Reserves
    ↓ -46

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 46.2%, cash 11.0% of assets.

Cash / Assets
10.99%
Loans / Deposits
46.25%
Brokered %
0.00%
No watch items at this period.

Securities

Risk
0
Sub-score

Securities profile is weak: securities 54.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
54.09%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 27.25%.

Tier 1 RBC
—
CET1
0.00%
Leverage
27.25%

Watch Items

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

Asset Quality

StableQoQ -7
75
Sub-score

Asset quality is stable: Adjusted NPL 1.41%, Texas Ratio 1.7%, NCO YTD 0.00%.

Adjusted NPL
1.41%
Govt-guarantees stripped
Texas Ratio
1.7%
NCO YTD
0.00%
30-89 PD
6.97%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -46
46
Sub-score

Reserves are deteriorating: ALLL 1.34% of loans, coverage 96.1%, true coverage 47.3%.

ALLL / Loans
1.34%
Coverage
96.1%
True Loss Coverage
47.3%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 47.3% (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