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Primis Bank

IDRSSD: 3325759
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
66
/ 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 #3325759 2025-Q3 Vital Signs Score: 66/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.63% of assets (threshold 3%).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 46.5% (Adjusted NPL + Performing Mods denominator).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.58% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↓ -3 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↓ -6
  • Asset Quality
    ↑ +1
  • Reserves
    ↓ -9

The five pillars

Liquidity

StableQoQ -4
67
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 99.6%, cash 1.6% of assets.

Cash / Assets
1.63%
Loans / Deposits
99.58%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.63% 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
0.22%
No watch items at this period.

Capitalization

WatchQoQ -6
56
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.14%, CET1 10.14%, leverage 9.11%.

Tier 1 RBC
10.14%
CET1
10.14%
Leverage
9.11%
No watch items at this period.

Asset Quality

StableQoQ +1
73
Sub-score

Asset quality is stable: Adjusted NPL 2.58%, Texas Ratio 22.0%, NCO YTD 0.14%.

Adjusted NPL
2.58%
Govt-guarantees stripped
Texas Ratio
22.0%
NCO YTD
0.14%
30-89 PD
1.42%
Band 0.3% / 3.0%
90+ PD
0.05%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.58% (govt-guarantees stripped).

Reserves

RiskQoQ -9
35
Sub-score

Reserves are weak: ALLL 1.32% of loans, coverage 51.6%, true coverage 46.5%.

ALLL / Loans
1.32%
Coverage
51.6%
True Loss Coverage
46.5%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 46.5% (Adjusted NPL + Performing Mods denominator).

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