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R Bank

IDRSSD: 3821037
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
73
/ 100
StableAs of 2024-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

2024-Q2

Bank #3821037 2024-Q2 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

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

What changed this quarter

Compared to Q1 2024:
↓ -4 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -8
  • Asset Quality
    ↓ -5
  • Reserves
    ↓ -4

The five pillars

Liquidity

StrongQoQ +1
82
Sub-score

Liquidity is strong: brokered 4.4%, loans/deposits 93.9%, cash 8.4% of assets.

Cash / Assets
8.43%
Loans / Deposits
93.88%
Brokered %
4.43%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.05%
No watch items at this period.

Capitalization

StableQoQ -8
61
Sub-score

Capital position is stable: Tier 1 RBC 10.79%, CET1 10.79%, leverage 8.79%.

Tier 1 RBC
10.79%
CET1
10.79%
Leverage
8.79%
No watch items at this period.

Asset Quality

StrongQoQ -5
83
Sub-score

Asset quality is strong: Adjusted NPL 1.74%, Texas Ratio 14.7%, NCO YTD 0.73%.

Adjusted NPL
1.74%
Govt-guarantees stripped
Texas Ratio
14.7%
NCO YTD
0.73%
30-89 PD
0.21%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -4
37
Sub-score

Reserves are weak: ALLL 1.06% of loans, coverage 61.8%, true coverage 61.8%.

ALLL / Loans
1.06%
Coverage
61.8%
True Loss Coverage
61.8%
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: 2026-05-14 10:51:41 UTC