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First Pryority Bank

IDRSSD: 524953
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2026-Q1QoQ +5

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

Quarterly Headline

2026-Q1

Bank #524953 2026-Q1 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.20% of assets (threshold 3%).
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.22% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2025:
↑ +5 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↑ +17
  • Reserves
    ↑ +3

The five pillars

Liquidity

StableQoQ -1
72
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 91.2%, cash 2.2% of assets.

Cash / Assets
2.20%
Loans / Deposits
91.22%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.20% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 6.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
6.24%
No watch items at this period.

Capitalization

StableQoQ +1
77
Sub-score

Capital position is stable: Tier 1 RBC 11.81%, CET1 11.81%, leverage 10.33%.

Tier 1 RBC
11.81%
CET1
11.81%
Leverage
10.33%
No watch items at this period.

Asset Quality

StrongQoQ +17
84
Sub-score

Asset quality is strong: Adjusted NPL 2.22%, Texas Ratio 16.3%, NCO YTD 0.08%.

Adjusted NPL
2.22%
Govt-guarantees stripped
Texas Ratio
16.3%
NCO YTD
0.08%
30-89 PD
0.35%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.22% (govt-guarantees stripped).

Reserves

WatchQoQ +3
43
Sub-score

Reserves are deteriorating: ALLL 1.32% of loans, coverage 60.1%, true coverage 59.2%.

ALLL / Loans
1.32%
Coverage
60.1%
True Loss Coverage
59.2%
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