Visbanking Logo
Skip to main content

Castle Rock Bank

IDRSSD: 152253
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2025-Q4QoQ -2

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

Quarterly Headline

2025-Q4

Bank #152253 2025-Q4 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Capitalization (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.31% of assets (threshold 3%).
  2. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.01% of loans.

What changed this quarter

Compared to Q3 2025:
↓ -2 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    ↓ -3
  • Capitalization
    — —
  • Asset Quality
    ↓ -6
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +1
83
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 51.2%, cash 2.3% of assets.

Cash / Assets
2.31%
Loans / Deposits
51.24%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.31% of assets (threshold 3%).

Securities

RiskQoQ -3
25
Sub-score

Securities profile is weak: securities 42.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
42.49%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 26.22%, CET1 26.22%, leverage 13.99%.

Tier 1 RBC
26.22%
CET1
26.22%
Leverage
13.99%
No watch items at this period.

Asset Quality

StrongQoQ -6
89
Sub-score

Asset quality is strong: Adjusted NPL 0.06%, Texas Ratio 0.2%, NCO YTD 1.01%.

Adjusted NPL
0.06%
Govt-guarantees stripped
Texas Ratio
0.2%
NCO YTD
1.01%
30-89 PD
0.86%
Band 0.3% / 3.0%
90+ PD
0.05%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.01% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 2.57% of loans, coverage 4777.1%, true coverage 3310.9%.

ALLL / Loans
2.57%
Coverage
4777.1%
True Loss Coverage
3310.9%
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 21:18:32 UTC