Liquidity
StrongQoQ +2
98
Sub-score
Liquidity is strong: brokered 2.7%, loans/deposits 68.4%, cash 20.0% of assets.
- Cash / Assets
- 19.98%
- Loans / Deposits
- 68.37%
- Brokered %
- 2.69%
No watch items at this period.
First State Bank Of Purdy
IDRSSD: 400057
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2025-Q1
Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
75
/ 100
StableAs of 2025-Q1QoQ -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-Q1
Bank #400057 2025-Q1 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).
Liquidity:Strong
Securities:Strong
Capitalization:Stable
Asset Quality:Stable
Reserves:Risk
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q4 2024:
↓ -9 ptscomposite
- Liquidity↑ +2
- Securities— —
- Capitalization↑ +1
- Asset Quality↓ -18
- Reserves↓ -34
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 1.7% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 1.68%
SVB watch metric
No watch items at this period.
Capitalization
StableQoQ +1
69
Sub-score
Capital position is stable: Tier 1 RBC 12.00%, CET1 12.00%, leverage 7.55%.
- Tier 1 RBC
- 12.00%
- CET1
- 12.00%
- Leverage
- 7.55%
No watch items at this period.
Asset Quality
StableQoQ -18
74
Sub-score
Asset quality is stable: Adjusted NPL 1.98%, Texas Ratio 14.5%, NCO YTD 0.07%.
- Adjusted NPL
- 1.98%
- Texas Ratio
- 14.5%
- NCO YTD
- 0.07%
- 30-89 PD
- 1.99%
- 90+ PD
- 0.36%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
RiskQoQ -34
31
Sub-score
Reserves are weak: ALLL 1.06% of loans, coverage 54.1%, true coverage 53.5%.
- ALLL / Loans
- 1.06%
- Coverage
- 54.1%
- True Loss Coverage
- 53.5%
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.tsfor 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: 2026-05-15 01:43:00 UTC