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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-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2025-Q3QoQ -3

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

Quarterly Headline

2025-Q3

Bank #400057 2025-Q3 Vital Signs Score: 76/100 — 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 Q2 2025:
↓ -3 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -8
  • Reserves
    ↓ -4

The five pillars

Liquidity

StrongQoQ 0
98
Sub-score

Liquidity is strong: brokered 1.7%, loans/deposits 72.4%, cash 16.0% of assets.

Cash / Assets
15.99%
Loans / Deposits
72.36%
Brokered %
1.70%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.09%
No watch items at this period.

Capitalization

StableQoQ -2
73
Sub-score

Capital position is stable: Tier 1 RBC 12.25%, CET1 12.25%, leverage 7.94%.

Tier 1 RBC
12.25%
CET1
12.25%
Leverage
7.94%
No watch items at this period.

Asset Quality

StableQoQ -8
75
Sub-score

Asset quality is stable: Adjusted NPL 1.66%, Texas Ratio 12.3%, NCO YTD 0.02%.

Adjusted NPL
1.66%
Govt-guarantees stripped
Texas Ratio
12.3%
NCO YTD
0.02%
30-89 PD
2.69%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -4
32
Sub-score

Reserves are weak: ALLL 0.98% of loans, coverage 59.7%, true coverage 58.9%.

ALLL / Loans
0.98%
Coverage
59.7%
True Loss Coverage
58.9%
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