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Primis Bank

IDRSSD: 3325759
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StableAs of 2024-Q3QoQ -5

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

Quarterly Headline

2024-Q3

Bank #3325759 2024-Q3 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.94% of assets (threshold 3%).
  2. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 101.4% (threshold 100%).

What changed this quarter

Compared to Q2 2024:
↓ -5 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↓ -17
  • Asset Quality
    ↓ -8
  • Reserves
    ↑ +9

The five pillars

Liquidity

StableQoQ 0
65
Sub-score

Liquidity is stable: brokered 2.3%, loans/deposits 101.4%, cash 1.9% of assets.

Cash / Assets
1.94%
Loans / Deposits
101.42%
Brokered %
2.25%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 101.4% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.94% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.24%
No watch items at this period.

Capitalization

StableQoQ -17
60
Sub-score

Capital position is stable: Tier 1 RBC 10.38%, CET1 10.38%, leverage 9.50%.

Tier 1 RBC
10.38%
CET1
10.38%
Leverage
9.50%
No watch items at this period.

Asset Quality

StrongQoQ -8
87
Sub-score

Asset quality is strong: Adjusted NPL 0.48%, Texas Ratio 3.8%, NCO YTD 0.93%.

Adjusted NPL
0.48%
Govt-guarantees stripped
Texas Ratio
3.8%
NCO YTD
0.93%
30-89 PD
1.23%
Band 0.3% / 3.0%
90+ PD
0.05%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +9
100
Sub-score

Reserves are strong: ALLL 1.49% of loans, coverage 316.8%, true coverage 274.5%.

ALLL / Loans
1.49%
Coverage
316.8%
True Loss Coverage
274.5%
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.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: 2026-05-14 06:02:14 UTC