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First Pryority Bank

IDRSSD: 524953
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
72
/ 100
StableAs of 2025-Q2QoQ -11

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 #524953 2025-Q2 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.11% (govt-guarantees stripped).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 48.7% (Adjusted NPL + Performing Mods denominator).
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 49.3% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q1 2025:
↓ -11 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -11
  • Asset Quality
    ↓ -12
  • Reserves
    ↓ -30

The five pillars

Liquidity

StableQoQ -1
74
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 89.3%, cash 2.6% of assets.

Cash / Assets
2.57%
Loans / Deposits
89.29%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.57% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 7.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
7.50%
No watch items at this period.

Capitalization

StableQoQ -11
74
Sub-score

Capital position is stable: Tier 1 RBC 11.48%, CET1 11.48%, leverage 10.25%.

Tier 1 RBC
11.48%
CET1
11.48%
Leverage
10.25%
No watch items at this period.

Asset Quality

StableQoQ -12
71
Sub-score

Asset quality is stable: Adjusted NPL 3.11%, Texas Ratio 22.2%, NCO YTD 0.24%.

Adjusted NPL
3.11%
Govt-guarantees stripped
Texas Ratio
22.2%
NCO YTD
0.24%
30-89 PD
0.04%
Band 0.3% / 3.0%
90+ PD
0.47%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.11% (govt-guarantees stripped).

Reserves

WatchQoQ -30
42
Sub-score

Reserves are deteriorating: ALLL 1.51% of loans, coverage 49.3%, true coverage 48.7%.

ALLL / Loans
1.51%
Coverage
49.3%
True Loss Coverage
48.7%

Watch Items

  • infoALLL / NPL below 50% — Coverage 49.3% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 48.7% (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 16:34:47 UTC