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Eagle Rock Bank

IDRSSD: 2391588
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
79
/ 100
StableAs of 2025-Q3QoQ +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-Q3

Bank #2391588 2025-Q3 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 107.0% (threshold 100%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.89% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2025:
↑ +2 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↑ +2
  • Reserves
    ↑ +16

The five pillars

Liquidity

StableQoQ -4
66
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 107.0%, cash 2.9% of assets.

Cash / Assets
2.89%
Loans / Deposits
107.02%
Brokered %
0.00%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 107.0% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.89% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.35%
No watch items at this period.

Capitalization

StableQoQ +1
75
Sub-score

Capital position is stable: Tier 1 RBC 11.63%, CET1 11.63%, leverage 10.47%.

Tier 1 RBC
11.63%
CET1
11.63%
Leverage
10.47%
No watch items at this period.

Asset Quality

StrongQoQ +2
95
Sub-score

Asset quality is strong: Adjusted NPL 1.05%, Texas Ratio 7.6%, NCO YTD 0.00%.

Adjusted NPL
1.05%
Govt-guarantees stripped
Texas Ratio
7.6%
NCO YTD
0.00%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +16
58
Sub-score

Reserves are deteriorating: ALLL 1.03% of loans, coverage 99.1%, true coverage 91.5%.

ALLL / Loans
1.03%
Coverage
99.1%
True Loss Coverage
91.5%
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: 2026-05-13 11:47:38 UTC