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R Bank

IDRSSD: 3821037
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
81
/ 100
StrongAs of 2025-Q3QoQ +14

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 #3821037 2025-Q3 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.06% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↑ +14 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↑ +7
  • Asset Quality
    ↑ +38
  • Reserves
    ↑ +14

The five pillars

Liquidity

StrongQoQ +3
94
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 81.8%, cash 16.7% of assets.

Cash / Assets
16.70%
Loans / Deposits
81.75%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.91%
No watch items at this period.

Capitalization

StrongQoQ +7
81
Sub-score

Capital position is strong: Tier 1 RBC 12.45%, CET1 12.45%, leverage 9.24%.

Tier 1 RBC
12.45%
CET1
12.45%
Leverage
9.24%
No watch items at this period.

Asset Quality

StrongQoQ +38
85
Sub-score

Asset quality is strong: Adjusted NPL 2.06%, Texas Ratio 15.1%, NCO YTD 0.06%.

Adjusted NPL
2.06%
Govt-guarantees stripped
Texas Ratio
15.1%
NCO YTD
0.06%
30-89 PD
0.41%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.06% (govt-guarantees stripped).

Reserves

RiskQoQ +14
35
Sub-score

Reserves are weak: ALLL 1.14% of loans, coverage 56.1%, true coverage 56.1%.

ALLL / Loans
1.14%
Coverage
56.1%
True Loss Coverage
56.1%
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