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First Pryority Bank

IDRSSD: 524953
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
82
/ 100
StrongAs of 2024-Q4QoQ -7

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 #524953 2024-Q4 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

  1. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.10% of loans.

What changed this quarter

Compared to Q3 2024:
↓ -7 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -22
  • Reserves
    ↓ -3

The five pillars

Liquidity

StableQoQ -1
75
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 89.0%, cash 3.2% of assets.

Cash / Assets
3.24%
Loans / Deposits
89.02%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 9.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
8.96%
No watch items at this period.

Capitalization

StrongQoQ -2
84
Sub-score

Capital position is strong: Tier 1 RBC 12.39%, CET1 12.39%, leverage 10.15%.

Tier 1 RBC
12.39%
CET1
12.39%
Leverage
10.15%
No watch items at this period.

Asset Quality

StableQoQ -22
72
Sub-score

Asset quality is stable: Adjusted NPL 1.07%, Texas Ratio 7.5%, NCO YTD 1.10%.

Adjusted NPL
1.07%
Govt-guarantees stripped
Texas Ratio
7.5%
NCO YTD
1.10%
30-89 PD
2.64%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.10% of loans.

Reserves

StrongQoQ -3
87
Sub-score

Reserves are strong: ALLL 1.51% of loans, coverage 143.5%, true coverage 138.5%.

ALLL / Loans
1.51%
Coverage
143.5%
True Loss Coverage
138.5%
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: 2026-05-13 16:34:47 UTC