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Bank Rhode Island

IDRSSD: 2434113
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
81
/ 100
StrongAs 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 #2434113 2025-Q2 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 107.8% (threshold 100%).

What changed this quarter

Compared to Q1 2025:
↑ +4 ptscomposite
  • Liquidity
    ↑ +7
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↑ +9
  • Reserves
    ↓ -2

The five pillars

Liquidity

StableQoQ +7
66
Sub-score

Liquidity is stable: brokered 8.3%, loans/deposits 107.8%, cash 5.9% of assets.

Cash / Assets
5.90%
Loans / Deposits
107.85%
Brokered %
8.35%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 107.8% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.84%
No watch items at this period.

Capitalization

StableQoQ +2
63
Sub-score

Capital position is stable: Tier 1 RBC 10.95%, CET1 10.95%, leverage 8.90%.

Tier 1 RBC
10.95%
CET1
10.95%
Leverage
8.90%
No watch items at this period.

Asset Quality

StrongQoQ +9
100
Sub-score

Asset quality is strong: Adjusted NPL 0.16%, Texas Ratio 1.4%, NCO YTD -0.01%.

Adjusted NPL
0.16%
Govt-guarantees stripped
Texas Ratio
1.4%
NCO YTD
-0.01%
30-89 PD
0.06%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -2
79
Sub-score

Reserves are stable: ALLL 0.87% of loans, coverage 537.4%, true coverage 537.4%.

ALLL / Loans
0.87%
Coverage
537.4%
True Loss Coverage
537.4%
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 09:39:05 UTC