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R Bank

IDRSSD: 3821037
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
66
/ 100
StableAs of 2025-Q2QoQ -10

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 #3821037 2025-Q2 Vital Signs Score: 66/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 24.5% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 24.5% (Adjusted NPL + Performing Mods denominator).
  3. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 2.56%.

What changed this quarter

Compared to Q1 2025:
↓ -10 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -29
  • Reserves
    ↓ -13

The five pillars

Liquidity

StrongQoQ 0
91
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 88.7%, cash 10.1% of assets.

Cash / Assets
10.06%
Loans / Deposits
88.66%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.04%
No watch items at this period.

Capitalization

StableQoQ -1
73
Sub-score

Capital position is stable: Tier 1 RBC 11.72%, CET1 11.72%, leverage 9.36%.

Tier 1 RBC
11.72%
CET1
11.72%
Leverage
9.36%
No watch items at this period.

Asset Quality

WatchQoQ -29
47
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.63%, Texas Ratio 35.8%, NCO YTD 0.05%.

Adjusted NPL
4.63%
Govt-guarantees stripped
Texas Ratio
35.8%
NCO YTD
0.05%
30-89 PD
0.27%
Band 0.3% / 3.0%
90+ PD
2.56%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.63% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 2.56%.

Reserves

RiskQoQ -13
21
Sub-score

Reserves are weak: ALLL 1.12% of loans, coverage 24.5%, true coverage 24.5%.

ALLL / Loans
1.12%
Coverage
24.5%
True Loss Coverage
24.5%

Watch Items

  • riskALLL / NPL below 50% — Coverage 24.5% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 24.5% (Adjusted NPL + Performing Mods denominator).

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