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First State Bank Of Purdy

IDRSSD: 400057
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
79
/ 100
StableAs of 2025-Q2QoQ +4

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 #400057 2025-Q2 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q1 2025:
↑ +4 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +6
  • Asset Quality
    ↑ +9
  • Reserves
    ↑ +5

The five pillars

Liquidity

StrongQoQ -1
97
Sub-score

Liquidity is strong: brokered 2.7%, loans/deposits 71.8%, cash 16.3% of assets.

Cash / Assets
16.31%
Loans / Deposits
71.80%
Brokered %
2.71%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.69%
No watch items at this period.

Capitalization

StableQoQ +6
74
Sub-score

Capital position is stable: Tier 1 RBC 12.47%, CET1 12.47%, leverage 7.82%.

Tier 1 RBC
12.47%
CET1
12.47%
Leverage
7.82%
No watch items at this period.

Asset Quality

StrongQoQ +9
83
Sub-score

Asset quality is strong: Adjusted NPL 1.41%, Texas Ratio 10.4%, NCO YTD 0.51%.

Adjusted NPL
1.41%
Govt-guarantees stripped
Texas Ratio
10.4%
NCO YTD
0.51%
30-89 PD
1.18%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +5
36
Sub-score

Reserves are weak: ALLL 0.95% of loans, coverage 67.9%, true coverage 66.8%.

ALLL / Loans
0.95%
Coverage
67.9%
True Loss Coverage
66.8%
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: 2026-05-15 01:43:00 UTC