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Bank Of The Rockies

IDRSSD: 475756
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
82
/ 100
StrongAs of 2025-Q3QoQ 0

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 #475756 2025-Q3 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

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

What changed this quarter

Compared to Q2 2025:
↓ 0 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ +2
  • Reserves
    ↓ -5

The five pillars

Liquidity

StableQoQ +2
77
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 85.5%, cash 3.2% of assets.

Cash / Assets
3.22%
Loans / Deposits
85.51%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 17.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
17.22%
No watch items at this period.

Capitalization

StableQoQ -1
69
Sub-score

Capital position is stable: Tier 1 RBC 11.47%, CET1 11.47%, leverage 8.92%.

Tier 1 RBC
11.47%
CET1
11.47%
Leverage
8.92%
No watch items at this period.

Asset Quality

StrongQoQ +2
87
Sub-score

Asset quality is strong: Adjusted NPL 0.78%, Texas Ratio 5.8%, NCO YTD 0.24%.

Adjusted NPL
0.78%
Govt-guarantees stripped
Texas Ratio
5.8%
NCO YTD
0.24%
30-89 PD
1.76%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -5
81
Sub-score

Reserves are strong: ALLL 1.21% of loans, coverage 156.9%, true coverage 156.9%.

ALLL / Loans
1.21%
Coverage
156.9%
True Loss Coverage
156.9%
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: 2026-05-12 23:25:16 UTC